Richmond Heritage Credit Union
Earn up to 1.5% cashback at Richmond Heritage Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Richmond Heritage 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.
Founded in 1936 by ten African American teachers during the Great Depression, Richmond Heritage Federal Credit Union was created to serve a community excluded from mainstream banking in Richmond, Virginia. Headquartered on West Commerce Road, it continues that legacy today with savings plans, affordable loans, and financial services rooted in preserving that history.
Richmond Heritage Federal Credit Union carries a powerful story: ten Black educators pooling resources in 1936 to build a financial institution that welcomed everyone, at a time when so many doors were closed. Today it still lives that mission, offering low-cost loans and everyday accounts with genuine community spirit. Bank here and add Fluz to the equation for an easy cashback boost � load your account or use your card for shopping and watch the rewards add up, all while supporting a credit union whose roots run deep in Richmond's history of resilience and self-reliance.
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.