Heritage Financial
Earn up to 1.5% cashback at Heritage Financial.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Heritage Financial with a Fluz virtual card.
Available while supplies last.
Valid only at official store locations.
Offers are subject to change - check here before purchasing.
Heritage Financial is a member-owned credit union serving Hudson Valley and New York members served by Heritage Financial Credit Union. It provides practical financial services such as checking and savings accounts, digital banking, credit cards, auto loans, mortgages, certificates, and personal lending, with a community-focused approach designed to help members manage money and reach financial goals.
Heritage Financial gives members a local, cooperative alternative to traditional banks, with financial products built around everyday needs. Members can use Heritage Financial CU for checking and savings, online and mobile banking, auto loans, home loans, credit cards, certificates, and other personal finance services tailored to Hudson Valley and New York members served by Heritage Financial Credit Union. For Fluz users, this merchant profile can help identify the official credit union brand and related banking searches while shopping smarter. Use Fluz whenever eligible to maximize cashback, stack rewards, and make everyday financial activity more rewarding through a simple, rewards-focused experience.
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.