Qube Money
Earn up to 1.5% cashback at Qube Money.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Qube Money with a Fluz virtual card.
Available while supplies last.
Valid only at official store locations.
Offers are subject to change - check here before purchasing.
Qube Money is a digital banking and budgeting app that modernizes the cash envelope system. It enables users to allocate funds into virtual "Qubes" for specific spending categories, promoting intentional spending and real-time budget management. With its unique "Default Zero" technology, the Qube debit card remains inactive until a Qube is opened, enhancing security and preventing unauthorized transactions.
Qube Money is a financial technology platform that integrates banking and budgeting through a digital adaptation of the traditional cash envelope method. Users can create virtual "Qubes"—individual budget categories—for expenses like groceries, bills, and savings goals. Funds are allocated to each Qube, and spending is conducted by selecting the appropriate Qube, ensuring that expenditures align with predefined budgets.
The platform's "Default Zero" feature adds a layer of security by keeping the Qube debit card inactive until a Qube is intentionally opened for a purchase, mitigating the risk of unauthorized use. Qube Money offers various plans, including options for individuals, couples, and families, with features like joint accounts, subscription controls, and real-time spending notifications. Deposits are held by Choice Financial Group, Member FDIC, providing users with insured banking services.
By combining proactive budgeting tools with secure banking features, Qube Money aims to help users gain control over their finances, reduce impulsive spending, and work towards financial goals with clarity and purpose.
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.