Spojnia Credit Union
Earn up to 1.5% cashback at Spojnia Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Spojnia 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.
Rooted in the Polish National Union of America, Spojnia Credit Union has served members of that fraternal community from Scranton, Pennsylvania for decades. The state-chartered cooperative provides share savings, certificates, and consumer loans while honoring the Polish heritage reflected in its name, which means "unity."
Spojnia means unity in Polish, and that spirit still drives this Scranton, Pennsylvania credit union tied to the Polish National Union of America. Members enjoy dependable share savings, certificates, and loans handled with old-world care and genuine neighborliness. Here's a modern way to honor that thrifty heritage: shop through Fluz! The Fluz app pays you instant cashback whenever you buy gift cards for restaurants, retailers, and travel brands you already use. Collect those rewards, deposit them into your Spojnia account, and let unity work for your wallet too. Tradition and technology, saving together beautifully.
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.