Proponent Credit Union
Earn up to 1.5% cashback at Proponent Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Proponent 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.
Serving New Jersey, Proponent Credit Union helps members manage daily finances and larger goals through debit cards, bill pay, cards, and online banking. The credit union combines member ownership with accessible financial services.
Members turn to Proponent Credit Union for financial services that cover both everyday transactions and long-term planning. Serving New Jersey, the credit union offers solutions such as debit cards, bill pay, and shared branching, with support for mobile account access and personal service. It is a strong fit for members who want banking, borrowing, and savings tools in one place. Fluz makes it easier to turn everyday purchases into added savings and rewards when using an eligible card.
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.