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How much cashback can I earn on a purchase?
How much cashback can I earn on a purchase?

cash back rate, royalty, rates, royalties

Lei avatar
Written by Lei
Updated over a week ago

Each merchant is different and the cashback percentage you earn will be shown next to the offer.


You can check the current cashback rates for a specific merchant by viewing the live offers in the app. Here's how:

Screens depicted may not reflect the latest version of the app.

1. Navigate to the Discover tab (magnifying glass icon) in the app

2. On the search bar, type in the name of a merchant. Tap on the merchant icon to see the offer.

3. The cashback rate can be found next to the Funding source in the middle of the check-out page.

In the example below, you can see that you will earn 3% cashback with Kroger.

Note: Make sure to link a bank account for the highest cashback rate.

Alternatively, you can search for a merchant according to category. Here's how:

1. Scroll down the Discover tab until you see Deals by Category

2. Tap on a category to see the list of merchants and see up to how much cashback you can earn.

The cashback rate depends on the payment method that you use when you make a purchase.

Our highest cashback rate (rates shown in the images above) is available when using your ACH for payment, followed by your debit card, credit card, and digital wallets (Apple Pay, Google Pay, and PayPal).


The merchant cashback rate is 4% and you buy a $200 gift card.

ACH bank payment gives you the full 4% - that's $8.00

Debit card payment (-1%) gives you 3% - that's $6.00

Credit card payment (-3%) gives you 1% - that's $2.00

Paypal, Apple pay, and Google pay (-3%) give you 1% - that's $2.00

We always recommend using your ACH when purchasing to maximize your Fluz experience. As shown below, a higher cashback rate for a $200 Saks Fifth Avenue gift card purchase is offered when the payment method is a bank account (1) versus a credit card (2).

Screens depicted may not reflect the latest version of the app.

Learn about how you can also earn from your network by reading these articles below:

More questions? Feel free to reach out to one of our Fluz sidekicks. Use the Chat option at the bottom of your screen, or if you're on the app, go to Help and chat with us.

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