Brilliant Bank is an online-only bank backed by Equity Bank, an FDIC-insured institution with $6.4 billion in assets. It offers money market accounts and certificates of deposit with competitive APYs, managed entirely through a mobile app, with no physical branch locations.

Use Fluz to maximize rewards on transfers into your Brilliant Bank accounts. Instead of funding your money market or CD directly, buy a Fluz gift card for the amount you plan to deposit and use it toward your transfer, earning cashback on money you're already saving. Fluz stacks with other rewards programs, so you can layer this cashback on top of the competitive APY you're already earning. It's a simple way to add extra value to your online savings routine, with cashback credited straight to your Fluz wallet.