Iowa Heartland Credit Union
Earn up to 1.5% cashback at Iowa Heartland Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Iowa Heartland 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.
Iowa Heartland Credit Union, serving members since 1932, is a member-owned, not-for-profit financial cooperative headquartered in Mason City, Iowa, serving residents and employees of north-central Iowa counties. Services include checking and savings accounts, auto loans, and debit and credit cards for its roughly 3,400 members.
Since 1932, Iowa Heartland Credit Union has served north-central Iowa communities around Mason City with member-first banking � competitive loan rates on vehicles and personal needs, plus easy checking and savings accounts and secure online banking. As a not-for-profit cooperative, every decision centers on member value rather than shareholder profit. Members who bank locally with Iowa Heartland can also use Fluz to stretch their dollars further, earning cashback and rewards on everyday purchases, gift cards, and bill payments � pairing hometown financial trust with everyday savings that add up over time.
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.