Money
MarketplaceBlog
Personal
Business
Platform
Log in or sign up
PERSONAL

EARN MORE FROM EVERYDAY SPEND

Get more back from everyday spending, with built-in cashback and rewards that add up.

Get started
personal mock spread elementor io optimized

Rewarding members with $100M+ in cashback delivered.

Get to know Fluz

Cashback all over

Earn cashback in so many ways. Spend with gift cards and virtual cards, use boosts, join Fluz Parties, and watch your rewards pile up.

EARN UP TO 25%

Buy gift cards. Get cashback.

Purchase gift cards for your favorite brands and earn cashback instantly. Redeem them in stores or online.

Learn more For business
buy gift cards
1 down
2 up
3 down
4 up
7 down
8 up
9 down
6 up
11 down
12 up
create virtual cards
1.5% CASHBACK. NO FEES.

Earn everywhere Mastercard is accepted

Create custom virtual cards in seconds. Use them online or add them to your Apple or Google wallet for everyday, in-store purchases. Tap, spend, and earn 1.5% cashback. With enhanced security and effortless setup, it’s money on max made simple.

Explore virtual cards
✕
Disclaimer

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 Virtual Card is issued through partner banks, members FDIC, pursuant to a license from Mastercard International. When generating the Fluz Virtual Card, the financial institution issuing the card will be listed.

Please see terms & conditions of listed partner bank when generating virtual card.

Fluz Virtual cards work online everywhere Mastercard is accepted. Fluz Virtual cards work in-store everywhere ApplePay or GooglePay is accepted in stores.

buy gift cards
EARN UP TO 25%

Buy gift cards. Get cashback.

Purchase gift cards for your favorite brands and earn cashback instantly. Redeem them in stores or online.

Learn more For business
create virtual cards
1.5% CASHBACK. NO FEES.

Earn everywhere Mastercard is accepted

Create custom virtual cards in seconds. Use them online or add them to your Apple or Google wallet for everyday, in-store purchases. Tap, spend, and earn 1.5% cashback. With enhanced security and effortless setup, it’s money on max made simple.

Explore virtual cards
✕
Disclaimer

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 Virtual Card is issued through partner banks, members FDIC, pursuant to a license from Mastercard International. When generating the Fluz Virtual Card, the financial institution issuing the card will be listed.

Please see terms & conditions of listed partner bank when generating virtual card.

Fluz Virtual cards work online everywhere Mastercard is accepted. Fluz Virtual cards work in-store everywhere ApplePay or GooglePay is accepted in stores.

1 down
2 up
3 down
4 up
7 down
8 up
9 down
6 up
11 down
12 up

Built to fit how you already to things

Fluz is built to fit into how you already move money, working alongside your bank and existing payment methods.

Keep your existing bank

Connect your existing bank accounts to fund your Fluz virtual cards, adding rewards and spend controls without needed to reset.

Pay like you normally do

Add your Fluz cards to Apple or Google Pay and continue using the payment methods you trust, now with earning built in.

Pick from flexible funding options

Move money using your bank accounts, debit or credit cards, PayPal, and other linked sources, all in one place.

Supercharge your earnings

Earn more on the spending you already do, with instant bonuses, boosted cashback, and rewards that stack.

account setup elementor io optimized
Get started with $5

Complete a few quick setup steps to earn a $5 bonus, ready to use on your next purchase.

Boosts elementor io optimized
Boost your cashback by 25%

Apply a boost to earn 25% extra cashback on the first $10 you spend at eligible brands.

spend bonuses elementor io optimized
Unlock bonuses as you spend

Hit spend and referral milestones to unlock cash bonuses, boosted rates, and limited-time offers.

platinum elementor io optimized
Level up to Platinum rewards

Move through Silver, Gold, and Platinum to unlock better rates, bonus perks, and rewards that stack.

Earn more together

Fluz goes beyond rewarding your own spend. Earn extra cashback with friends and other members through referrals, royalties, and shared cashback parties.

refer elementor io optimized
Refer friends, get $5

Earn $5 when a friend joins and spends $20. They get a 25% cashback boost, you earn on their first purchase.

royalties elementor io optimized (1)
Referral royalties

Build a network that keeps paying you back. When friends in your network shop on Fluz, you earn ongoing royalties from their purchases, month after month.

Virtual cashback parties

Unlock higher cashback by shopping together. Join virtual parties, hit shared spend goals, and earn bonus cashback when the group reaches the target.

Master every dime

Move, pay, share, budget. Because you’re the one calling the shots.

Move money

Add, transfer, or withdraw money with ease — fast, simple, and free of sneaky hidden fees.

Pay bills

Make payments with ease to anyone in the Fluz biller network. Pay recurring charges or tackle one-time fees.

paper airplane coins
Move money

Add, transfer, or withdraw money with ease — fast, simple, and free of sneaky hidden fees.

Learn more
pay bills mobile
Pay bills

Make payments with ease to anyone in the Fluz biller network. Pay recurring charges or tackle one-time fees.

Learn more
Share budgets with friends and family

Create accounts for you, friends, or family, with built-in budgets, clear permissions, and real-time visibility into spending.

left illys elementor io optimized
spend account mock elementor io optimized
right illys elementor io optimized
Share budgets with friends and family

Create accounts for you, friends, or family, with built-in budgets, clear permissions, and real-time visibility into spending.

left illys mobile
spend account mock elementor io optimized
right illys mobile

The Fluz promise

We’re here to make your money work harder – plain and simple. That means we’ll protect and maximize it any way we can.

Home FluzPromise 01

Trip-wire free

No need to switch banks, pass credit checks or worry about hidden fees. And we’ll never ask you to put money into Fluz to enjoy rewards.

Learn more
✕
Disclaimer

1 Members can use Fluz app in conjunction with the bank accounts, debit or credit cards they already have. Members do not need to commit to annual or monthly membership fees.

2 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 Visa for international transactions on the virtual card.

Home FluzPromise 02

Top security

With virtual cards that are impossible to steal, and Face ID required for every Fluz transaction, your cash is protected by bank-level security.

See how
✕
Disclaimer

Fluz virtual cards offer added security for members by adding a required process for FaceID, TouchID, 2-Factor Authentication or an account passcode on each transaction. The card number expires after 24-hours and after each use.

About
Blog
Careers
Contact us
Help center
Fluz mart
Gift cards
Virtual cards
Fluz parties
Rewards status
Marketplace
Stacking
Buy more, earn more
Tripwire free
Commitment to privacy
Security
Business accounts
Business perks
Sidekicks
Gift cards for businesses
Merchants
Influencers
Developers
How it works
Royalties
Referrals
Promotion tools
Instagram
TikTok
YouTube
LinkedIn
Get the app
Fluz

© 2026 Fluz Fluz, LLC.
Fluz is a financial technology company, not a bank. Banking services provided by partner banks, members FDIC.

Legal
Privacy policy
Status
Trust center