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BUSINESS

Keep more of what you spend

Control team spend, pay bills, and earn instant cashback on everyday business expenses. All from your existing bank account.

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Empowering over 7,500 businesses with $100M+ in cashback delivered.

Every dollar working harder, in one place

Fluz brings spend, payments, and rewards into a single platform for controlling costs and increasing returns.

Earn cashback on everyday business spend

Build better margins with instant cashback on card spend and procurement purchases.

Earn 1.5% back with corporate cards

Issue your team corporate cards with flexible cashback options and built-in controls, so every card stays on policy and keeps earning.

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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.

Customize each card's funding source

Fluz corporate cards are built on decoupled debit, so every card can be funded directly from any linked bank account or through a dedicated spend account you control.

Create unlimited cards on-demand
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Up to 15% back where spend adds up fastest

Pay for procurement with gift cards from top brands and earn up to 15% cashback on common business purchases.

Scale with bulk purchasing and automation

Buy gift cards in bulk or set up recurring purchases to match your procurement schedule.

Rate match on eligible brands and vendors

Earn real cash, with flexible redemption options

Withdraw your earnings to your bank, or put them to work instantly across gift cards, bills, or crypto cards. No hoops, no lockups.

No points maze, just cash you control

No conversions, no waiting, no fine print. Your cashback posts instantly and is ready to withdraw or spend the moment it lands.

Redeem beyond cash, when it makes sense
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Adventures in money

“We started the business in my mother’s basement…as I was managing the business I used [Fluz] cashback to buy my cost of goods for the company.”

WE-BRU Cold Brew Coffee Logo

Arielle Labaton

Co-founder of WE-BRU Cold Brew Coffee

Govern team spend before it happens

Controls should support speed, not slow teams down. Fluz lets you set clear guardrails upfront so spend stays on track while work keeps moving.

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Approve spend upfront

Approve team spend in real-time with notifications that keep you in control without adding friction.

Set card limits where they matter

Apply merchant and category restrictions, spend limits, custom funding sources and auto-freeze dates per card.

Set budgets with shareable spend accounts

Create dedicated spend accounts and share them with team members so budgets stay clear and controlled.

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Give access without giving up control

Assign user roles, from bookkeepers to super-admins, to give your team the right access and nothing more.

Why choose Fluz

Compare Fluz Business to other spend platforms. Built for teams that want real cashback, flexible funding, and fewer tradeoffs.

Advantages
Other providers
Check Decoupled: Keep your current bank
X Forced migration to a new banking platform
Check No annual or authorized user fees
X Fees that scale as your team grows
Check No credit checks or sales calls
X Hard credit pulls and onboarding delays
Check Custom funding sources per card
X Shared funding source across all cards
Check Instant cashback posting
X Delayed rewards or monthly credits
Check Unlimited cards on any plan
X Card limits tied to expensive plan tiers
Check Real 1.5% cashback on every dollar
X Points and narrow category restrictions
Check Up to 15% back on procurement
X Flat rewards with limited upside

Run your finances in real-time

See, move, and manage money as it happens, so finance and operations stay aligned in real-time.

Keep bills paid and in sync

Vendor payments don’t need their own tools. Fluz lets you manage bills alongside cards and budgets, with flexibility in how payments are funded.

Auto-sync and pay your bills in one organized view

Sync over 70,000 billers nationwide in a few clicks to reduce manual work.

Use your credit card to pay eligible vendors
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Move money, instantly.

No two-day ACH settlement delays. Access and move funds in real time across deposits and withdrawals, keeping cash available when your business needs it.

Use flexible funding options, including credit

Fund your balance via ACH, PayPal, debit or even credit card when cash-flow is needed.

Skip processing fees with ACH

See every dollar, clearly.

When spend lives in one system, visibility improves for everyone. Fluz gives operators and finance a shared, real-time view so decisions are faster and surprises are fewer.

View all spend in one customizable ledger

Your transaction ledger keeps spend and earnings together in a single, real-time view.

Monitor activity by card, account or user
Export clean data when it’s time to close
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One place for all your accounts

Whether you use Fluz for personal and business needs or manage multiple businesses, everything stays organized in one place, with a single login that reduces friction and keeps you in control.

One login for multiple business accounts

Run multiple businesses and teams from one account, keeping everything structured and easy to manage.

Seamlessly switch between business and personal use

Securely built for business-critical money

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

FDIC insured up to $10M

Spend account funds are held by FDIC-insured banking partners, with deposit insurance coverage up to $10,000,000.

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Disclaimer

Banking services are provided by one or more FDIC-insured partner banks.

Funds held in a Fluz wallet are deposited with partner banks and are eligible for FDIC insurance up to $250,000 per depositor, per insured bank, where applicable.

Fluz is not a bank, does not hold deposits, and does not provide FDIC insurance.

Rewards and cashback are not FDIC insured.

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SOC 2 Type II compliant

Fluz maintains SOC 2 Type II controls to ensure secure handling of data across systems, processes, and integrations.

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PCI DSS compliant

Card data is handled in accordance with PCI DSS requirements, reducing your compliance surface while maintaining flexibility.

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Bank-level security

Infrastructure and controls are built to meet the expectations of regulated financial institutions and enterprise partners.

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24/7 fraud controls

Transactions are monitored continuously with configurable limits, rules, and risk checks across funding and payouts.

Try Fluz today

No contracts or drawn-out sales cycles. Try Fluz free and see how it works for your business.

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No bank switching required

Use Fluz with your current accounts, with no switching or operational disruption required.

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Move with confidence

Fluz provides a switching report to help move over whatever you need cleanly.

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Set your team up with ease

Invite teammates and assign access as they join, so everyone has what they need from day one.

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Get real human support

Work with a dedicated account executive through setup and beyond.

Start now, no hoops

Sign up free anytime or work with an expert. No contracts or pressure.

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Let's work together

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