Combined Credit Union
Earn up to 1.5% cashback at Combined Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Combined Credit Union with a Fluz virtual card.
Available while supplies last.
Valid only at official store locations.
Offers are subject to change - check here before purchasing.
Operating since 1967 out of Hot Springs, Arkansas, Combined Federal Credit Union grew from a small group of local employees into a full-service, member-owned institution. It offers checking, savings, auto and personal loans, and mortgage products to residents of Garland County, prioritizing personalized service over the impersonal feel of large regional banks.
In Hot Springs, Arkansas, Combined Federal Credit Union has quietly proven for decades that small-town banking can still feel personal. Members get straightforward checking and savings, friendly loan officers who know their names, and rates built for everyday families rather than Wall Street. Financing a car, opening a share certificate, or just managing a paycheck all feels simpler here. And when you connect your Combined FCU spending and loading activity to Fluz, those everyday transactions start earning cashback and rewards too, turning a hometown credit union relationship into an even smarter financial habit.
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.