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Now you can easily earn 1.5% cashback with the Fluz Virtual Card anywhere Mastercard is accepted. And there’s no fees, credit checks, or minimum spends, so you can instantly earn cashback.
Please note rates are subject to change on select merchants. Please check merchant listing pages in the Fluz application to see the exact cashback rate offered on that transaction.
The Fluz Mastercard® Commercial Prepaid Card is issued by Community Federal Savings Bank member FDIC pursuant to license by Mastercard.
Fluz Virtual cards work online everywhere Mastercard is accepted. Fluz Virtual cards work in-store everywhere ApplePay or GooglePay is accepted in stores.
By keeping everything virtual, you can track your rewards, review your transaction history, and enjoy secure and convenient card options, all in one place. And that’s on top of never worrying about where you put that piece of plastic.
There are no fees for virtual card and gift card transactions funded by a US bank account made in the US. There are fees for funding your digital wallet balance via Debit or Credit card. There are international currency conversion fees charged by Mastercard for international transactions on the virtual card.
Create as many cards as you need at no additional cost. Manage them right in your app, so you can use your money, your way.
With our virtual cards, canceling a subscription couldn’t be easier. Just lock the card, stop the payment, and your subscription is instantly canceled. (And you’ll never have to ask for permission.)
With our card controls, you never end up spending what you weren’t planning to. No sneaky subscriptions, no unexpected payments, and no sharing your card or bank details with anyone.
Don’t worry, we keep it simple.
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waysThere are three different ways to use your virtual card, so you can use your money, your way.
In-store card
Earn wherever you shop with the convenience of your mobile wallet.
1-time card
Get rid of unwanted subscriptions and surprise fees with cards that lock after one use.
Brand card
Manage your spending by reserving brand cards for purchases at specific stores.
There’s no physical card to wait for. It’s instant. Just link your bank and start earning.
Fund your virtual card purchases with your Fluz balance, or with an external account, or both. It's your money, so why not use it the way you want?
You don’t need to switch bank accounts or deposit money to Fluz to use this card. You just link your bank account and we will pull the money after you spend.
We all deserve more. That's why we offer a way to earn more than 1.5% cashback at select merchants - by purchasing gift cards through Fluz.
A virtual card refers to a distinct 16-digit card number accompanied by a CVV code and expiration date that can be generated on the fly for the purpose of making online or over the phone transactions. It’s similar to a standard credit or debit card just without the plastic.
The cashback is coming from Interchange. When merchants process the Fluz Virtual card, they will pay a small fee to the card networks, their payment processor and the card issuer. In that case, this is Fluz. We share part of that fee back with you.
Before you can start using our virtual cards, we need you to verify your identity for a mandatory bank verification procedure called Know Your Customer (KYC). This verification process is required to comply with anti-money laundering laws and helps protect against fraud.
Over 10,000 banks, from major national banks to local credit unions.
When you make a purchase with your virtual card. We only charge you for the amount you transacted with. That’s different from the gift cards where we will charge you for the full amount of the gift card that you are purchasing from us.
Fluz Virtual cards work just like any other card. After you’re done adding to the cart, just input your Virtual card details at check out.
There are no PINs provided for Virtual cards created on Fluz.
You can generate a Virtual card with a minimum amount of $5 and maximum of $10,000 per transaction.
You can generate a Virtual card with more balance than you’re intending to spend, just to play it safe. This will appear as your “card spend limit.” If you do not use the full amount, you’ll only be charged for what you spend; the “payment total”.
Fluz does not charge any additional fees for the use of Virtual cards. In fact, we give you up to 1.5% cash back. However, foreign currency conversion rates and fees are applied when using the 1-time card internationally.
No. Fluz never does a hard or soft credit pull. Using our Virtual Cards will not have any impact on your credit score, and they will not show up on your credit report.
