Urban Beginnings Choice Credit Union
Earn up to 1.5% cashback at Urban Beginnings Choice Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Urban Beginnings Choice 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.
Urban Beginnings Choice Federal Credit Union is a newer, faith-rooted CDFI in Fort Wayne, Indiana, built to expand financial access and social mobility in underserved neighborhoods. This community development cooperative pairs affordable savings and credit-building loans with financial education, offering a genuine alternative to predatory lenders.
Fort Wayne is rewriting its financial story, and Urban Beginnings Choice Federal Credit Union is holding the pen. This mission-driven CDFI opens doors that traditional banks keep closed � affordable loans, second chances, and real financial education for neighborhoods that deserve better. Every dollar matters when you're building something, so make yours multiply with Fluz. The cashback app returns money instantly when you buy gift cards for essentials like groceries, gas, and household goods. Members who pair UBC's empowering banking with Fluz's automatic rewards stretch budgets further and build wealth faster. That's community uplift, amplified.
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.