MyPoint
Earn up to 1.5% cashback at MyPoint.
Pay with a virtual card and earn cashback.
Featured offer terms
Get 1.5% cashback on your purchases at MyPoint.
Offer valid while supplies last.
Offers are subject to change - check here before purchasing.
MyPoint Credit Union, formerly Point Loma Credit Union, has served San Diego, California since 1948. It is a member-owned, not-for-profit financial cooperative with seven branches, more than 30,000 members, and a community-based field of membership open to anyone living or working in San Diego County, offering checking, savings, loans, and mortgages.
MyPoint Credit Union has been a San Diego staple since 1948, first as Point Loma Credit Union and now serving the whole community under its new name. If you bank, save, or make loan payments with MyPoint, open the Fluz app to start earning cashback and rewards on top of the everyday banking you're already doing � no extra effort required. With over 30,000 members and seven local branches across San Diego, MyPoint keeps banking personal, and Fluz helps you get a little more back every time you use it.
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.