Urban Empowerment Credit Union
Earn up to 1.5% cashback at Urban Empowerment Credit Union.
Pay with a virtual card and earn cashback.
Offer terms
Get 1.5% cashback at Urban Empowerment 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 Empowerment Federal Credit Union, formerly NUL Federal Credit Union, is a New York City cooperative affiliated with the National Urban League. Rooted in a mission of economic empowerment for urban communities, it provides federally insured savings, online banking access, and financial services designed to help members build lasting wealth.
Financial empowerment starts with the right partner. Urban Empowerment Federal Credit Union, the National Urban League-affiliated cooperative serving New York City since 1970, is on a mission to bring fair, community-first banking to urban neighborhoods. Members enjoy federally insured savings, online account access, and guidance aimed at building generational wealth. Here's a smart companion move: shop through Fluz whenever you spend, and watch cashback stack up on dining, retail, streaming, and more. Deposit those rewards right back into your credit union savings and let your everyday purchases fund your bigger goals. Empowered banking, amplified earnings.
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.