Smartchoice Credit Union
Earn up to 1.5% cashback at Smartchoice Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Smartchoice 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.
SmartChoice Credit Union has served members in Spring Valley, Illinois since 1957. This small, member-owned cooperative delivers personal attention that big banks can't match, offering savings accounts, affordable loans, and everyday financial services to households across the Illinois Valley region with a neighborly, community-first approach.
Banking feels different when your credit union actually knows your name. SmartChoice Credit Union has been a Spring Valley, Illinois fixture since 1957, helping members save smarter and borrow at fair rates. Pair that hometown value with Fluz and you'll stretch every dollar even further � earn cashback on gas, groceries, dining, and everyday purchases simply by paying through the Fluz app. It's the perfect combo: SmartChoice keeps your money working locally while Fluz rewards you every time you spend. Small-town service, big-time savings � that's a financial strategy anyone can get behind.
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.