Upstate Telco Credit Union
Earn up to 1.5% cashback at Upstate Telco Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Upstate Telco 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.
Operating from Harrison Street in Gloversville, New York, Upstate Telco Federal Credit Union traces its roots to the region's telephone company workers. Today it provides members with savings accounts, loans, scholarship awards, and mobile banking apps for Apple and Android, delivering small-town service backed by federal insurance.
There's something refreshing about a credit union where the staff actually knows your name, and Upstate Telco FCU in Gloversville, NY delivers exactly that. Born from the telephone industry, this cooperative now helps members with loans, savings, scholarships, and app-based banking that works wherever you roam. Here's a call worth answering: download Fluz alongside your Upstate Telco account and start collecting cashback on the brands you already buy, from dining out to streaming subscriptions. Every reward you earn through Fluz is money you can route straight back into savings. Hometown banking plus modern cashback? That connection comes through crystal clear.
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.