Virtual Cards FAQs

The Fluz Virtual Card can be used multiple times at one merchant. This makes them incredibly convenient, especially if you shop at a particular store frequently.

If you'd like to use your card only once, you can simply select the "Lock after next use" option upon card generation. This would mean your card will only be available for use once, before it becomes void.

To use the virtual card, a user will have to generate one on the Power Portal. The card will be locked to whichever brand/ merchant the card was spent on first.

Bank accounts and Fluz Balance are the only accepted funding source for Fluz Virtual Cards. This is comprised of your Rewards Balance, Cash Balance, and Gift Card Prepayment.
​
​Please note that you must hit the one-time minimum earnings requirement of $15.00 before you can move your Rewards Balance, and use it to buy more gift cards, or in this case, generate a virtual card.

Yes, you absolutely can! Users are able to generate virtual cards with a card limit that is more than their Fluz Balance. We will only charge you when you spend, for the amount that you spend.
​
However, please note that should you use your virtual card for a transaction that is more than your available Fluz balance at the time of check out, the transaction will be declined for insufficient funds.

For Busines Users, you can create as many as you like! Generate a virtual card for each of your favorite brands.
​
And if you want to stay organized, and have one brand card for purchasing Amazon home supplies and another for buying Amazon clothing, that is not a problem! You can create multiple brand cards to use with a single merchant.

Yes, Fluz virtual cards expire. The expiry date is indicated on the card along with the other card details.

That's no problem. You can easily lock (and unlock) your virtual card anytime. Learn how here.

If you have already locked your virtual card, any subsequent transactions you attempt to make with it will not be successful. The transactions made prior to your locking your card will remain visible in your transaction history.

Yes, you can edit your card limits and lock or unlock your virtual card anytime. You can do this by doing the following:
​
​On the Power Portal:

On the Fluz Website:

You can generate virtual cards to spend a combined maximum daily amount of $100,000 per BIN.

Your ability to generate virtual cards will also depend on your overall account Spend Limits. Business users have a $250,000 daily limit and a $7,750,000 monthly limit.
​
Limits may change. Best practice is to always check the Power portal for updated spend limits.

If we receive a refund notice from the merchant, we will process your refund automatically. No action on your part is required. Read more about it here.

The virtual card will be declined by the merchant for insufficient funds.