Note: Fluz virtual cards are currently only available to Business Account users. If you'd like to apply for a business account, click here.
Virtual Card Cashback Exemption
Use Fluz Virtual Cards to get 1 to 1.5% cashback, depending on the card program. Certain exclusions apply.
The exclusions for PayPal are as follows:
PayPal
Mastercard Program (537875) - 0.4% always, unless cards are used with the following:
Alliant Credit Union, American Water, Arizona Public Service, Arrowhead Credit Union, Associated Bank, Banana Republic, Bank of Hawaii, Boeing Employees' Credit Union, Boston PAL, Caesars Rewards, Care Credit, Centerpoint, Central Loan, Comcast, ComEd, Costco, Crescendo, Dashlane, FamZoo, FCP, First United Bank, Flagstar Bank, Goldbelly, Green Gold Brewing, Lighstream, Link2Gov, LoanCare, Meta Pay, Mouser Electronics, Navy Federal Credit Union, Patreon, Private Internet Access VPN, Sears Card, Spotify USA, T-Mobile, TD Auto Finance, Town of Wellesley. These merchants used with PayPal will have a cashback rate of 0% always
Transfers to individuals and payments made directly to PayPal. This will have a cashback rate of 0% always.
Certain exempt BillPay merchants. Other exempt BillPay merchants will have a cashback rate of 2% on purchases up to $25 then 0%. This resets every month.
Mastercard Program (536209) - 0.4% always, unless cards are used with the following:
American Express, Bank of America, Bank of Hawaii, Citi, City of Austin, Comcast, Discover, GoDaddy.com, Jydes Family, Lexus, Link2Gov, Macy's, Meta Pay, Metro Youth, Pacific Gas & Electric Company, Sears Card, Shop Your Way, Sony Visa Credit Card, Spire, State Farm, Twitch, Vanilla Gift Cards, Verizon. These merchants used with PayPal will have a cashback rate of 0% always.
Transfers to individuals and payments made directly to PayPal. This will have a cashback rate of 0% always.
Purchasing of e-gift cards from Paypal will have a cashback rate of 0% always.
Certain exempt BillPay merchants. Other exempt BillPay merchants will have a cashback rate of 2% on purchases up to $25 then 0%. This resets every month.
Mastercard Program (532113) - 0.2% always, unless cards are used with the following:
American Express, Bank of America, Bank of Hawaii, Citi, City of Austin, Comcast, Discover, GoDaddy.com, Jydes Family, Lexus, Link2Gov, Macy's, Meta Pay, Metro Youth, Pacific Gas & Electric Company, Sears Card, Shop Your Way, Sony Visa Credit Card, Spire, State Farm, Twitch, Vanilla Gift Cards, Verizon. These merchants used with PayPal will have a cashback rate of 0% always.
Transfers to individuals and payments made directly to PayPal. This will have a cashback rate of 0% always.
Purchasing of e-gift cards from Paypal will have a cashback rate of 0% always.
Certain exempt BillPay merchants. Other exempt BillPay merchants will have a cashback rate of 2% on purchases up to $25 then 0%. This resets every month.
Visa Program (462036) - 0.2% always, unless cards are used with certain exempt BillPay merchants. Exempt BillPay merchants will have a cashback rate of 2% on purchases up to $25 then 0%. This resets every month.
Visa Program (450897) - 0.2% always, unless cards are used with the following:
Transfers to other individuals. This will have a cashback rate of 0% always.
Visa Program (486695) - 0.4% always, unless cards are used with the following:
American Express, Bank of America, Barclays, Citi, Discover, Verizon. These merchants used with PayPal will have a cashback rate of 0% always.
Transfers to other individuals. This will have a cashback rate of 0% always.
Visa Program (475436) - 0.2% always, unless cards are used with the following:
American Express, Bank of America, Barclays, Caesars Rewards, Comenity Bank, Discover, Pacific Gas, Shop Your Way, Paypal Extra, City of Ames. These merchants used with PayPal will have a cashback rate of 0% always.
Certain exempt BillPay merchants. Other exempt BillPay merchants will have a cashback rate of 0% or 0.1%. This resets every month.
Please note that for payments made to Discover, there is a $10,000 limit per transaction. If this limit is exceeded, your Virtual Card transaction will be declined.