Encentus Federal Credit Union
Earn up to 1.5% cashback at Encentus Federal Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Encentus Federal 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.
Encentus Federal Credit Union provides Oklahoma members with cooperative banking, digital tools, shared branching, Zelle access, loans, and member support. The credit union focuses on financial health through convenient online, mobile, voice, and branch services.
Encentus Federal Credit Union is a not-for-profit financial cooperative serving members in Oklahoma with a broad set of banking and lending services. Members can use mobile banking, virtual branch access, Zelle, shared branching, vehicle resources, loan services, credit union rewards, and secure document upload tools. Encentus positions itself as a financial partner that combines digital convenience with cooperative values, helping members manage everyday accounts, borrow responsibly, and stay connected to their credit union from anywhere.
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.