Houston Belt & Terminal Credit Union
Earn up to 1.5% cashback at Houston Belt & Terminal Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Houston Belt & Terminal 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.
Founded to serve Houston Belt & Terminal Railway workers, Houston Belt & Terminal Federal Credit Union is a Texas cooperative operating under the motto "not for profit, but for service." Members access checking, savings, auto and personal loans, plus online tools, all delivered with railroad-era loyalty and hometown Houston care.
From railroad roots to modern money tools, Houston Belt & Terminal Federal Credit Union has been looking out for working Texans for generations. HBT FCU members get competitive loan rates, dividend-earning savings, and a team that treats every account like it matters, because it does. It's the kind of hometown financial partner Houston deserves. And here's a bonus track: shop through Fluz to grab discounted gift cards and instant cashback on groceries, gas, and dining, then watch your rewards pile up alongside your credit union savings. Your money works harder when HBT FCU and Fluz are both on your side.
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.