Desert Financial
Earn up to 1.5% cashback at Desert Financial.
Pay with a virtual card and earn cashback.
Featured offer terms
Get 1.5% cashback on your purchases at Desert Financial.
Offer valid while supplies last.
Offers are subject to change - check here before purchasing.
Desert Financial Credit Union, chartered in 1939 as Arizona Educational Association (A.E.A.) #1 Federal Credit Union to serve teachers, is now the largest local credit union in Arizona. Headquartered in Phoenix, it serves over 500,000 members statewide with more than $9 billion in assets and 50+ branches across Maricopa, Pinal, Gila, Yavapai, and Coconino counties.
Banking with Desert Financial Credit Union? You can earn cashback and rewards on it through the Fluz app. Started in 1939 to serve Arizona teachers as A.E.A. #1 Federal Credit Union, Desert Financial has grown into Arizona's largest local credit union, now serving over 500,000 members with more than 50 branches across the Phoenix area and beyond. Whether you're making an auto loan payment, picking up a gift card, or handling everyday purchases, link your Desert Financial activity in Fluz and start turning routine banking into real rewards, right where you already bank in Arizona.
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.