St. John United Credit Union
Earn up to 1.5% cashback at St. John United Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at St. John United 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.
St. John United Federal Credit Union has anchored Buffalo, New York neighborhoods since 1973, celebrating fifty years of service in 2023. This community-focused, faith-rooted cooperative provides savings accounts, auto loans, loan specials, and personal financial services designed to uplift members and build wealth close to home.
Fifty-plus years of neighborly finance: that is the St. John United Federal Credit Union story in Buffalo, New York. Rooted in community and guided by service, it helps members save steadily, finance cars affordably, and take advantage of regular loan specials without big-bank attitude. Stretch those wins even further with Fluz in your pocket. Every gift card purchased through the Fluz app returns instant cashback on groceries, gas, dining, and beyond, turning ordinary spending into ongoing rewards. Let St. John United nurture your savings while Fluz quietly sweetens every purchase you make throughout the week.
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.