Heritage Hub Credit Union
Earn up to 1.5% cashback at Heritage Hub Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Heritage Hub 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.
Heritage Hub Federal Credit Union earned the NCUA's first new federal charter of 2025, opening in Houston to serve an 84-census-tract community across Harris County, Texas. The de novo institution launched with share accounts, checking, auto loans, and personal loans aimed at expanding local access to affordable finance.
Something new is growing in Houston. Heritage Hub Federal Credit Union, chartered in March 2025, was built from scratch to bring fair-priced checking, savings, and auto and personal loans to underserved Harris County neighborhoods. Joining a brand-new credit union is exciting; multiplying your rewards is even better. That is where Fluz comes in: shop through the app, buy gift cards for merchants you love, and pocket cashback the moment you pay. Use those instant earnings to seed your Heritage Hub savings or knock down a loan balance faster. New charter, new habits, new momentum for your money.
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.