Johns Hopkins Federal
Earn up to 1.5% cashback at Johns Hopkins Federal.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Johns Hopkins Federal with a Fluz virtual card.
Available while supplies last.
Valid only at official store locations.
Offers are subject to change - check here before purchasing.
Chartered in 1971 to serve Johns Hopkins University and Health System faculty and staff, Johns Hopkins Federal Credit Union (JHFCU) is headquartered in Baltimore, Maryland. It now serves roughly 45,000 members through 4 branches, with about $633 million in assets, and ranks as one of the largest credit unions in the state, offering checking, savings, auto loans, and mortgages.
Johns Hopkins Federal Credit Union started in 1971 when a handful of Johns Hopkins staff pooled resources to help each other out � it began with just 744 members and $51,000 in assets, and has since grown into one of Maryland's largest credit unions. If you bank with JHFCU for checking, an auto loan, or your mortgage, layer on extra savings by using the Fluz app for the gift cards and bill payments you'd make anyway. It's a simple way to turn everyday spending tied to your Johns Hopkins community banking into real cashback.
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.