U.P. Employees Credit Union
Earn up to 1.5% cashback at U.P. Employees Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at U.P. Employees 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.
U.P. Employees Federal Credit Union of North Little Rock, Arkansas serves Union Pacific Railroad and Amtrak employees plus their families. From its West 4th Street office, this member-owned cooperative offers savings, mortgages, auto, boat, and motorcycle loans, along with online banking and mobile deposit.
Built by railroaders for railroaders, U.P. Employees Federal Credit Union keeps Union Pacific and Amtrak families in North Little Rock financially on track. Membership is for life, and it comes with real perks: competitive auto and mortgage loans, mobile deposit, and folks who actually answer the phone. Want your everyday spending to earn its keep too? Download Fluz and rack up cashback on gift cards at thousands of merchants, stacking rewards each time you fill the tank or grab dinner. Together, this railroad credit union and Fluz make sure hard-earned wages travel further down the line.
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.