Cashback is based on the final captured amount charged to your Fluz Virtual Card. This may include tips and fees if they're part of the final amount. Pending or pre-authorizations don't count. When paying at restaurants (or other places where tipping is common), an extra 20% may be temporarily added to the authorized amount to account for the tip. Please note that your cashback will be calculated based on the final captured transaction amount after any adjustments, not the initial authorization.

Cashback usually appears right after your transaction, but may take up to 10 business days.

Yes. Cashback is earned only when paying with a Fluz Virtual Card via Apple Pay or Google Pay.

A Fluz virtual card is a digital-only payment card that comes with its own card number, expiration date, CVV, and billing address.

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.

Verify your Fluz account by completing identity verification (KYC) and link a bank account to fund purchases.

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.

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.

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.