Fluz App: Buy Exact-Value Gift Cards at a Discount + up to $15 Signup Offer

Update 12/1/23: They’ve increased the signup offer now: get $5 after spending $15 (e.g. buying a $15 Amazon gift card) and get $5 after completing specific activities (detailed below). You also get two Boosts when signing up with a referral code, each one can be worth up to $2.50. I’ve updated the details below.

Fluz Cashback Review

Fluz is a payments app which allows purchasing a gift card from them and earning cash back on the purchase, similar to MPX and some others. The beauty of these systems is they typically allow you to buy gift cards in the exact denomination you need, so when you’re at checkout, in store or online, you can open the app and buy a gift card for the exact amount you need and earn some cashback in the process.

Available Options

They have a wide variety of options, even some different ones I don’t recall seeing elsewhere. They even have Amazon which was removed from most other marketplaces; some of us have better ways to pay at Amazon, but interesting nonetheless. Here are some sample rates, at the time of this writing (these will change over time):

• Amazon 1.5%
• eBay 1%
• Home Depot 2%
• Bed Bath & Beyond 3%
• Airbnb 2%
• Delta 2%
• Southwest 2%
• Carnival Cruise 7%
• Nike 7%
• Adidas 5%
• Gap 7%
• Walmart/Sam’s 1%
• Groupon 7%
• Chipotle 2%
• Starbucks 2%
• Grubhub 2%
• Hulu 3%
• iTunes 4%

Credit Card Category Bonus

Fluz has the category codings drilled down to the merchant in many cases. Examples:

• Kroger, Ralph’s, and Giant Eagle gift cards code as Grocery category; see full list here
• Office Max and Staples gift cards code as Office Supply category; see full list here
• Individual restaurant gift cards should all pass on the Dining category; see full list here
• UberEATS codes as Dining category (these gift cards work for regular Uber rides too)
• Gift cards for Groupon, American Airlines, Airbnb, Uber, Delta, Southwest, Amtrak, etc, now code as Travel; full list here

These codings should work on any card – Visa, Mastercard, and Amex. You can always do a small purchase first to test the waters.

$15 In Signup Offers

1. Fluz offers a $5 bonus to anyone who signs up with a referral link and spends $15 (e.g. buy a $15 Amazon or Uber gift card).
2. They also offer an additional $5 account set up bonus when a new member does the following things listed below. These activities do not need to be done in any specific order and this offer does not expire – any Fluz member can do it once, even if you signed up a long time ago.
   • Link and verify your preferred funding source
   • Activate push notifications
   • Add your birthday to your account
   • Activate the Building Credit feature
   • Learn about the benefits of using Fluz
3. The new member also gets two $2.50 boost vouchers when signing up via a referral link/code. These boosts give you a discount of up to 25% on select retailer gift cards, up to $2.50 max discount. For example, you can use a Boost to buy a $10 Starbucks e-gift card for $7.50. Full list:
   • Earn 10% rewards: Hulu
   • Earn 15% rewards: Caviar, UberEATS, Uber, Doordash
   • Earn 25% rewards: Starbucks, CVS, Grubhub, Spotify, Chipotle, Dunkin, Chevron, Texaco, Nintendo eShop, XBOX, Roblox, Papa John’s, Burger King, Peet’s Coffee, Jamba Juice, Domino’s, PUBG Mobile, Steak n’ Shake

You can find and share Fluz referrals on this dedicated page. Here’s my Fluz referral link (or you can use referral code: CHUCKDOC), thanks to anyone who uses it. The referral code gets added within the signup process – a referral screen will show after inputting your phone number, name, email, and password. In many cases you can even add a referral link after signing up if you missed doing so during signup.

Referrer Bonus

For the referrer: Aside the bonus Boost that the referrer might get, the referrer will also get $5 if the new member makes at least two purchases within 30 days totaling at least $25. Fluz also has  a tiere referral system which allows referrers to earn up to $180 and up to $2,000, based on the quantity and quality of their referrals. You can find updated details in the Fluz app. There’s also a small kickback you get for each purchase your referral makes. (Plus various other tier bonuses that can be met for additional bonuses to the referrer. These are significant bonuses, but require you inviting many users; you need to opt in to get these additional bonuses, so be sure to do so in the app.) Do not share referrals in the comments below.

Payout

Your Fluz cashback can either be cashed out via Paypal, bank account, or to a virtual debit card. Or you can use your balance to reduce your cost when buying a gift card from Fluz. (They have a weird $16 minimum before you can do your first cashout, afterward you can cash out any amount.)

Update History

• Update 9/6/23: There is a fluz party offer on 9/22/23 for 10% back on a $50 Amazon gift card. Hat tip to GC Galore
• Update 3/23/23: Can currently get 7-10% off Lowe’s.
• Update 12/25/22: 7% back on Uber (10% when paying with ACH), max $50 gift card per customer
• Update 11/28/22: 7% back on Airbnb (10% when paying with ACH), max $100 gift card per customer
• Update 11/28/22: 17% back on Uber Eats (20% when paying with ACH), max $50 gift card.
• Update 10/19/22: 17% back on GrubHub (20% when paying with ACH). Hat tip to GC Report
• Update 9/28/22: 12% back on Chevron e-gift card, up to $40 gift card purchase. (I believe these get used by saving the card in the Chevron app.) 
• Update 9/21/22: 7% back on Kroger gift card, up to $50 gift card purchase. Rate is 10% if you pay with ACH. (ht Ryan)
• Update 8/25/22: Now 15% back at Staples.
• Update 8/17/22: Get 7% back on Instacart, up to $100 in gift card purchases  from August 16 – August 21, 2022. Search ‘promo’ to find it. (Rate gets bumped to 10% if you pay with ACH.) Also, get 12% back on Staples, up to $50 in gift card purchases per day from August 10 – September 11, 2022. Search ‘promo’ to find it. (Rate gets bumped to 15% if you pay with ACH.)
• You can also get get 17% back on Ulta Beauty, up to $50 in purchases, from July 22 – 28. Search for ‘promo’ to find it. (Rate gets bumped to 20% if you pay with ACH.)
• Update 8/10/22: Get 12% back on Staples, up to $50 in gift card purchases per day from August 10 – September 11, 2022. Search ‘promo’ to find it. (Rate gets bumped to 15% if you pay with ACH.)
• Update 7/22/22: Get 9% back on Carnival Cruises, up to $2,000, from July 27 – August 3. Search for ‘promo’ to find it. (Rate gets bumped to 12% if you pay with ACH.)
• Update 7/22/22: Get 17% back on Ulta Beauty, up to $50 in purchases, from July 22 – 28. Search for ‘promo’ to find it. (Rate gets bumped to 20% if you pay with ACH.)
• Update 7/5/22: Get 17% back on Spotify, up to $30 in purchases, from July 5 – 10. Search for ‘promo’ to find it. (Rate gets bumped to 20% if you pay with ACH.)
• Update 6/22/22: Get 17% back at GrubHub, up to $30 in purchases, from June 22-26. Search for ‘promo’ to find it. (Rate gets bumped to 20% if you pay with ACH.)
• Update 6/16/22: Get 12% back on Kroger e-gift cards from June 15 – 19. Max $50 in gift card purchases per day gets the increased 12% cashback rate. (If you pay with ACH the discount bumps up to 15%.) 
• Update 6/10/22: Get 17% back on AirBnb e-gift cards from June 10 – 18. Max $50 in gift card purchases per day (they are now limiting to one use total) gets the increased 17% rate. (If you pay with ACH the discount bumps up to 20%.) 
• Update 5/31/22: Get 7% off Chevron/Texaco, up to $30 in purchases per day, through June 3rd. 
• Update 5/24/22: Get 17% off Overstock e-gift card. Max $200 gift card per day. 
• Update 5/17/22: Get 17% off ASOS e-gift card. Max $100 gift card per day. 
• Update 5/6/22: Get 17% off Chipotle e-gift card. Max $30 gift card per day. 
• Update 4/29/22: There’s now an offer to get a bonus $10 Airbnb e-gift card when you buy $50 in Airbnb e-gift cards.  Limit 1; valid April 28 – May 7. You’ll get 1% back in Fluz cashback on the purchase as well.
• Update 5/2/22: Get 18% off Kohl’s e-gift cards. Limit $100 per day. Valid through May 8th.
• Update 2/26/22: Fluz now has Uber at 13% discount from 2/25 – 2/27. Limit $30 per day in purchases. 
• Update 2/9/22: Added Chevron, Texaco, Nintendo eShop, XBOX, Roblox as options eligible for 35% discount with a voucher. Chevron e-gift cards can be used in the Chevron app (likely the same thing for Texaco).
• Update 11/26/21: UberEats is at 13% cashback now.
• Update 11/13/21: Fluz is offering an increased rate of 13% cashback on Bed Bath & Beyond gift cards currently.
• Update 8/4/21: Fluz no longer codes as Small Business for AmEx purposes. Some of their merchants do code as Dining and will get the 10/15x due to that. See this comment. Another update: seems this is YMMV as some merchants still do code as Small Business. See discussion here. 
• Update 7/2/21: Reader Eric confirms that Fluz is still working to trigger the $5 AmEx small business credit. Should work for the 15x AmEx Platinum offer as well
• Update 5/10/21: Fluz lets us know that they also offer three vouchers per month (worth up to $3.50 each) for those who post on the Fluz community. Sounds like an easy way to rack up additional credits each month.
• Update 2/4/21: Fluz now offers more cashback on some gift card brands if you use a cheaper payment method:
  • Use Paypal or Google/Apple Pay and get regular cashback rate
  • Use credit card directly and get an extra up to 1% cashback on top the regular rate (some brands such as Amazon the bonus amount is lower than 1%)
  • Use debit card and get an extra up to 2% cashback on top the regular rate (some brands such as Amazon the bonus amount is lower than 2%)
  • Use bank payment and get an extra up to 3% cashback on top the regular rate (some brands such as Amazon the bonus amount is lower than 3%)
• Update 1/20/21: Added Boston Market and Steak n’ Shake to voucher options.
• Update 1/11/21: Gift cards for Groupon, American Airlines, Airbnb, Uber, Delta, Southwest, Amtrak, etc, now code as Travel. See full list here. That’s in addition to the previously discussed category bonuses, such as restaurants coding as Dining, grocery stores coding as Grocery, etc; see Credit Card Category Bonus, below.
• Update 12/21/20: Dunkin is now a 35% voucher option (previously 12%). Also Caviar got added, and Papa Johns/Domino’s got bumped from 25% to 35%.
• Update 9/9/20: Amazon is up to 1.5% now. Wish is up to 1.5% as well. Both are usually .5%. (One additional note: we’ve heard mixed reports on Fluz triggering the Shop Small offer – they do show on the Shop Small map and they often (usually, I think?) trigger the credit, but not always. Reason for the variance isn’t entirely clear.)
• Update 8/12/20: Fluz now accepts Apple Pay too. (Paypal, card, and bank were always options.)
• Update 7/8/20: Just a quick update on the Shop Small angle (mentioned below): readers are now getting the $5 Amex credit posted to their account. Sometimes you’ll get an email at time of initial purchase and sometimes you won’t, but it seems that all Fluz gift card purchases will work to trigger the Amex Offer. Some stores like Amazon has a $15 minimum (or sometimes $50, goes up and down) while others have a minimum of $10 or less. You’ll also get a bit of Fluz cashback on the purchase too.
• Here’s the link which shows Fluz as a Shop Small merchant.
• Update 7/5/20: According to reader aquac, FluzPay is included in the AmEx Offer: Shop Small, Spend $10+ and Receive $5; and even shows clearly on the Shop Small map. Could be an easy way to use up that Amex Offer on any gift card offered by Fluz.
• Update 8/4/20: Amazon is back again with 1% cashback and $15 minimum. Walmart back as well with .5% and $10 minimum.
• Update 7/21/20: Amazon is back with 1% cashback and $15 minimum. Amazon is officially $15 minimum, but sometimes goes up to $50 and has sometimes disappeared as well. (Separately, UberEATS and Doordash are back as Voucher redemption options.)
• Update 7/9/20: You can find and share Fluz referrals on this dedicated page.
• Update 7/3/20: They’ve added Dunkin and Taco Bell as voucher options at 12%/35%, respectively. Updated below.
• Update 6/10/20: CVS added back as voucher option.
• Update 5/28/20: Fluz is now accepting PayPal as a payment option. This will be useful as Q3 is 5% cashback with Discover. Hat tip to GC Galore
• Update 4/17/20: Both Groupon & CVS have been removed as voucher options.
• Update 4/3/20: Netflix gift cards in $30 and $60 denominations have been added as a voucher redemption option with a 12% discount.
• Update 3/19/20: Fluz has added Doordash and UberEATS as an option to their Vouchers system (see below). Note, both DoorDash and UberEATS are at a lower 20% discount level (less than the standard 35% level). You can get $3.50+ off a Doordash or Ubereats gift card if you have any vouchers available. Good time to signup or to use up any existing vouchers you have.
• There’s also a $5 signup bonus by following the steps mentioned below (‘$5 Signup Offer’). That’s on top of their regular 3 vouchers signup bonus which is worth a $10.50 discount on brands like Starbucks, UberEATS, Doordash, etc. Total signup bonus value can be up to $15.50.
• Update 1/16/20: Fluz now offers a $5 bonus for signing up with a referral link and completing various steps during account setup. Valid through February 1, 2020. More details below in the ‘Signup & Referrals’ section.

Final Thoughts

As always, be sure to compare rates to ensure you’re getting the best deal. Other gift card sellers with rewards include MPX, Raise Cash Back, Pay with Ibotta – full list of ways to buy gift cards at a discount can be found here.

You can find and share Fluz referrals on this dedicated page. Here’s my Fluz referral link (or use referral code: CHUCKDOC), thanks to anyone who uses it.