Fair Break Credit Union
Earn up to 1.5% cashback at Fair Break Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Fair Break 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.
Fair Break Federal Credit Union, chartered by the NCUA in May 2024, brings low-income-designated cooperative banking to the Memphis-Clarksdale-Forrest City region spanning Tennessee, Mississippi, and Arkansas. True to its motto that everyone deserves a fair break, it delivers savings, share drafts, auto and personal loans, payday alternatives, and financial education.
Everyone deserves a fair break, and Memphis finally has a credit union built around exactly that idea. Chartered in 2024 to serve the Memphis-Clarksdale-Forrest City tri-state region, Fair Break Federal Credit Union champions financial freedom for underserved neighbors with affordable share drafts, auto loans, credit-building payday alternatives, and hands-on financial education. Here is a pro tip for members chasing every advantage: grab the Fluz app, earn instant cashback on gift cards for the brands you already buy, and funnel those rewards straight into your Fair Break savings. Cooperative economics meets modern reward stacking, and your wallet wins the whole way.
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.