Plenty of apps promise to make you money. Almost none of them will tell you exactly how — and fewer still are willing to be held to it. Fluz was built on eight values, and we think values only count if you can point at the product and see them working. So that’s what this is: each belief, followed by the receipts. No mission-statement fog. If a claim below isn’t something you can open the app and check, we didn’t include it.
Key highlights
- Cashback rates up to 25% on gift cards and 1.5% instantly on virtual card spend — with rates shown before you buy
- Rewards are funded by merchant marketing budgets, not member deposits — you don’t pay in to earn
- Network royalties, referral bonuses, and Fluz Parties pay the whole group, not just the top
- More than $5 billion in consumer and business payments processed, with cards issued through FDIC-member partner banks
Eight values, receipts included
These aren’t aspirations we’re working toward — they’re the operating rules the product is already built on. Here’s each one, exactly as we hold it, paired with the features and numbers that prove we mean it.
Opportunity
Yours for the earning
Opportunity means you decide how hard your money works — we just keep raising the ceiling. Earn up to 25% back on gift cards at thousands of brands, or 1.5% instantly on everyday spend with a virtual card. Stack boosts, milestone bonuses, and Silver-to-Platinum status perks on top.
The point isn’t any single rate. It’s that there are multiple earning rails, you pick which to run, and the rate is shown next to each offer before you commit a dollar.
Trust
Trip-wire free
Fluz is a money maxing movement built on a simple combination: network effects paired with real merchant partnerships, to put more money in members’ pockets. Partner retailers commit part of their marketing budgets to reward the members who shop with them — that’s where the cashback comes from, and why we never ask you to put money in to enjoy rewards. No membership fees, no deposits, no credit checks, no leaving your bank.
Earn beyond your own spend, and earn more together — powered by merchant partnerships, not member fees.
Community
Everyone’s a winner
Most reward programs are solo sports. Fluz pays the group. When someone in your network shops, royalties can flow back to you for as long as they keep shopping. Invite a friend and you both come out ahead — they get a 25% boost on eligible purchases, and you earn a bonus once they start spending. And Fluz Parties make it a shared event: hit the group spend goal and everyone at the party unlocks bonus cashback.
The mechanics literally pay the room.
Control
Money your way
Fluz fits into your financial life, not the other way around. Stack rewards by funding purchases with a points-earning card and collecting Fluz cashback on top. Shape every card to the job — spend limits, merchant locks, auto-freeze dates, single-use. And pay anyone, from friends to billers, through virtual cards, gift cards, bank transfer, or PayPal.
Your bank stays your bank. Fluz just makes it all earn more.
Accessible
Everyone welcome
There’s no velvet rope on Fluz. No credit check, no minimum balance, no subscription. If you’re 18 or older with a phone and a way to pay, you can sign up and earn on your first purchase the same day. And the way in is human: friends invite friends, new members get a boosted welcome, and the inviter earns alongside them.
People don’t invite friends into things that don’t pay off.
Reliable
Backed and believable
Trust is demonstrated, not claimed. Fluz has processed more than $5 billion in consumer and business payments. Cards are issued through FDIC-member partner banks. Cashback lands instantly, in real money, and stays yours until you spend or withdraw it. And the founders at Snaplii, Pockyt, Vida Shoes, and WE-BRU telling their stories on our site are published customers, not scripted testimonials.
Constantly improving
Working together with you
Fluz ships. In the past year alone: Spend Accounts for shared, permissioned budgets; one-time and merchant-locked virtual cards; bulk card creation from a single CSV; and a full money-movement API for developers. The offers keep getting sharper too — boosts, flash deals, and milestone rewards tuned to how you actually spend.
The best evidence that we’re listening is how fast the app keeps changing.
Network effects
The bigger the better
Fluz gets better every time someone joins. More members means more purchases in the network and more royalties landing in more wallets. Bigger Parties hit their goals faster. And more collective spend means more leverage with merchants — which comes back to you as hotter offers and higher rates.
Most platforms extract more as they grow. Fluz is wired to hand it back.
Hold us to it
Values written down are a promise. Values built in are a product. The eight above are the second kind — every one of them lives somewhere you can tap: a rate printed next to an offer, a royalty landing in your wallet, a card you locked to one merchant, a party that paid the whole room.
So don’t take our word for any of it. Download Fluz, buy one gift card, and watch the first receipt arrive with your first cashback — usually before you’ve closed the app. If we’ve built what we say we believe, you’ll know within a purchase. And if you like what you find, bring a friend. That’s how this whole thing works.
