YOUR

MONEY

ON MAX.

YOUR
MONEY
ON MAX.

Fluz helps people, businesses, and platforms get more from their money, without changing how they already work.

One platform to optimize how money moves in your world

Earn more, control more, or launch more — three ways to win without replacing what already works.

Personal

Earn cashback on everyday purchases.

Business

Control team spend and earn on expenses.

Platform

Launch branded payment journeys.

$5B

Payments processed across cards, bills, payouts and more

$100M

Cashback given to personal and business users

7.5K+

Businesses love using Fluz to optimize business costs

Zero

Bank accounts switched in order to use Fluz

VIRTUAL CARDS

Create cards with built in cashback and control.

Pay with virtual cards to earn 1.5% cashback instantly, choose how each card is funded, and set real-time controls while keeping your existing bank.

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.

GIFT CARDS

Earn cashback when you buy digital gift cards.

Buy gift cards from thousands of brands, fund them however you choose, and earn cashback automatically.

Explore gift cards For business

PAYMENTS

Send money using any method you choose.

Pay people, businesses, or vendors using bill pay, virtual cards, gift cards, bank transfers, debit, or PayPal, all in one place.

Explore bill pay

SPEND ACCOUNTS

Create dedicated accounts built for sharing.

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

Designed to keep you in control

Set card limits and controls

Define spending limits, restrict categories, and turn cards on or off instantly.

Instantly deposit money

No 2-day settlement delays. Get access to your funds when you need it.

See transactions in real-time

Get a complete, real-time transaction view to stay on top of your money.

Monitor all your activity

Track cards, payments, balances, and activity across accounts in a single dashboard.

Approve spend

Review and approve payments or card activity before money moves.

Set roles & permissions

Assign roles, control access levels, and define who can spend and manage funds.

Built to fit how you already do 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.

Why choose Fluz?

Advantages

Other providers

Decoupled: Keep your current bank

Forced migration to a new banking platform

No annual or authorized user fees

Fees that scale as your team grows

No credit checks or sales calls

Hard credit pulls and onboarding delays

Custom funding sources per card

Shared funding source across all cards

Instant cashback posting

Delayed rewards or monthly credits

Unlimited cards on any plan

Card limits tied to expensive plan tiers

Real 1.5% cashback on every dollar

Points and narrow category restrictions

Up to 15% back on procurement

Flat rewards with limited upside

More secure than ever

Fluz uses bank-grade controls and regulated infrastructure to protect funds and data across flexible, real-world payment flows.

How we protect your money

SOC 2 Type II compliant

Independently audited controls ensure your data is handled securely and responsibly.

PCI DSS certified

Card data is processed and stored according to strict industry security standards.

Bank-level security

Encryption and infrastructure protections safeguard your money at every step.

24/7 fraud controls

Continuous monitoring and risk detection help prevent unauthorized activity in real time.

Face ID in front of your money

Biometrics add an extra layer of protection before sensitive actions are approved.

Headquartered in the US

Operated from the United States with regulatory and compliance standards you can trust.

Tripwire 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.

No sneaky fees

No sign-up. No annual. No per-seat. No sneaky fees. What you see is exactly what you pay.

No credit checks or pulls

Access premium rewards without impacting your credit score or requiring perfect credit.

Real humans to support you

Work with dedicated support specialists who move quickly and get things resolved.

Get started

Fluz is free to join and open to everyone. Sign up today and start optimizing how money moves in your world, at any scale.