Learn about the new 1-time cards and how to maximize your cash back.

What are 1-time Cards?

The Fluz 1-time-use card works like a debit card that you can generate in your Fluz app. The card generated is a Mastercard®, and can be used wherever Mastercard is accepted.*

A 1-time card is pre-loaded with a specified amount and can only be used ONCE. The card is only valid for 24 hours, and if unused, it is automatically cancelled. The 1-time card will provide you the cardholder name, 16 digit credit card number, expiry date, CVV and a billing address. The cardholder name and billing address will be generated automatically based on the details of your Fluz account.

How much cash back will I get from using Fluz' 1-time cards?

It allows you to earn up to 1.5% cash back once you complete a transaction using your 1-time card.

We have select merchants that may offer lower cashback rates as they are part of our exempt list. Learn more about it in this article.

How do I generate a 1-time card?

To generate a 1-time card on your Fluz app, simply set the amount you'd like then press the Use In-Store or Use online button.

How do I use my 1-time card to shop in-store?

*It can be used in-store by linking it to your mobile phone's digital wallet via Apple or Google Pay (*this feature is coming soon).

How do I use my 1-time card to shop online?

The 1-time cards can be used online, anywhere Mastercard is accepted.

Are PINs Provided for 1-time Cards Created on Fluz?

There are no PINs provided for 1-time cards created on Fluz.

How much can I generate with the 1-time card?

You can generate a 1-time card with a minimum amount of $5 and maximum of $4,999 per transaction.

We recommend that you complete legal identity verification if you generate a 1-time card that is $1,000 or up. If you haven't completed the verification process, you will be prompted to do so.

Are there any hidden fees?

Fluz does not charge any additional fees for the use of 1-time 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.

You will only be charged for the card once you complete your purchase.

You can generate a 1-time card in real time or in advance, and each card is valid for 24 hours. Your payment method will only be charged, and only for the amount used, once you actually use the 1-time card to complete a purchase.

Am I eligible to use the 1-time Cards feature?

All Fluz users are eligible to use the 1-time cards feature but with certain limitations.

For the best cash back experience, we recommend that you complete legal identity verification to have a daily limit of $5,000.

If you have not completed the legal identity verification, you can still generate 1-time cards as long as the amount is less than $1,000 a day and $2,000 a month. Once you exceed the limit/s, you will be prompted to complete the legal identity verification.

There is even no credit check needed, and no interest fees, just cash back and more earning potential.

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.

The 1-time Mastercard is issued by Patriot Bank N.A., pursuant to a license from Mastercard International Incorporated. Cards issued by Patriot Bank are not FDIC insured. The 1-time Visa card is issued by Metropolitan Commercial Bank, Member FDIC, pursuant to a license from VISA U.S.A. Inc. Banking Partner MCB Bank, Member FDIC.

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