Bread Financial
Earn up to 1.5% cashback at Bread Financial.
Pay with a virtual card and earn cashback.
Featured offer terms
Get 1.5% cashback on your purchases at Bread Financial.
Offer valid while supplies last.
Offers are subject to change - check here before purchasing.
Bread Financial is a tech-forward financial services company that has serviced private label and co-branded credit card programs for major retail brands for over 35 years. Through its bank affiliates Comenity Bank and Comenity Capital Bank, it offers the Bread Cashback and Bread Rewards American Express cards, Bread Savings accounts, and Bread Pay installment financing.
Use Fluz to maximize rewards on your Bread Financial credit card payments. Instead of paying your Comenity or Bread-issued card bill directly, buy a Fluz gift card for the amount due and use it to make your payment, earning cashback on money you already owe. Fluz stacks with other rewards programs, so you can layer this cashback on top of your Bread Cashback or Bread Rewards earnings. It's a simple way to squeeze extra savings out of a payment you're making anyway, with cashback credited straight to your Fluz wallet.
What is a Fluz virtual card?
A Fluz virtual card is a digital-only payment card that comes with its own card number, expiration date, CVV, and billing address.
How does cashback work for my Fluz virtual cards?
You earn up to 1.5% cashback on Fluz Virtual Card purchases (sometimes more based on the merchant's offer) with no fees, credit checks, or minimum spend required.
What do I need to do before creating my first virtual card?
Verify your Fluz account by completing identity verification (KYC) and link a bank account to fund purchases.
Where can I use my Fluz Virtual Card, and how do I pay?
Anywhere Mastercard/Visa is accepted, including online and in-store via Apple Pay or Google Pay. If asked, Fluz virtual cards use the same PIN as your Fluz account.
How is my card funded, what are the limits, and when am I charged?
You can fund purchases with your Fluz balance or a linked bank account. You can set a card limit when generating a card, but you're only charged for the amount you actually spend.
Is the Fluz virtual card secure?
Yes. Your card details are protected with Face ID, PIN, or 2FA, and you can lock, unlock, or freeze cards anytime, with additional security controls and real-time alerts.