All About Virtual Cards

The Fluz virtual cards work like any other card you use to pay for your online transactions with. Unlike other cards, though, using Fluz virtual cards requires no credit checks and no interest fees, just cash back and more earning potential.
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Fluz virtual cards are pre-loaded with a specified amount set by you. Once generated, the virtual card will provide you with 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.

These cards can be used multiple times with one merchant. The card will be locked to whichever brand/ merchant the card was spent on first.

These are great for managing your streaming subscriptions, bills payments, or ride sharing apps. You can set one card for each brand, then forget it. You also have the option to adjust the card limits for each time period (daily, weekly, monthly) at any time. Read more about multi-use cards here.

Please note that your Virtual Card application is processed as soon as you become an approved Business Account holder. The processing time may take up to 10 business days. If your Virtual Card application is still being processed, you will be unable to generate one. Please message your dedicated Power Sidekick to learn more.

Depending on the type of card you are using, you generally earn up to 1.5% cashback once your transaction is completed.

We have select merchants that may offer lower cashback rates as they are part of our exempt list. You may view that here. Please message your dedicated Power Sidekick to learn more.

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On the Power Portal:

On the Fluz Website:

Fluz virtual cards work just like any other card. After you're done adding to cart online, just input your virtual card details at check out.

There are no PINs provided for virtual cards created on Fluz. If you are asked for a PIN during check out, it is likely that the transaction was run as a debit transaction. In that case, please try the following:

You can generate a virtual card with a minimum amount of $5 and a maximum of $10,000 per transaction. Limits may change anytime, please check the Power Portal for updated limits. Read more about Virtual Card Limits here.

You can generate a virtual card with more balance than you're intending to spend, just to play it safe. This will appear as your "card spend limit." If you do not use the full amount, you'll only be charged for what you spend; the "payment total". Note that you are only charged at the time of purchase, and not card generation.

Fluz does not charge any additional fees for the use of virtual cards. In fact, we give you 1.5% cash back after your transaction is completed. However, foreign currency conversion rates and fees are applied when using the virtual card internationally.

Note that your payment method will only be charged, and only for the amount used, once you actually use the virtual card to complete a purchase.

If you’d like the Fluz team to review a charge made on your Fluz Virtual Card, please complete the designated form. This form is only for transactions made using your Fluz Virtual Card. For questions about charges made on your Fluz Balance please reach out to customer support team.

At this stage, no dispute has been filed with the bank; the investigation is strictly internal. Once your request is submitted, our team will investigate and respond within 7 business days.