Niagara-Wheatfield Credit Union
Earn up to 1.5% cashback at Niagara-Wheatfield Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Niagara-Wheatfield 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.
Chartered in 1960 and based in Sanborn, New York, Niagara-Wheatfield FCU is a small community cooperative with about $22 million in assets serving Niagara County residents, school district employees, and their relatives. The single-branch credit union provides savings, loans, credit cards, and everyday banking with a personal, small-town touch near the Niagara Falls region.
Since 1960, Niagara-Wheatfield FCU has kept banking simple and neighborly for families around Sanborn and the greater Niagara County area, offering savings, loans, and credit cards without the impersonal feel of a national chain. It's the credit union equivalent of knowing your neighbors by name. Stretch your paycheck further by using your NWFCU debit or credit card for gas, groceries, and errands around Niagara Falls, and when you load funds or shop through Fluz, you'll start earning cashback rewards layered on top of the credit union's member-focused rates, a small-town bank account with a big-city bonus.
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.