Photo courtesy of Fluz

Fluz is an associate partner of ours. We will get referral compensation if you use our referral code.

Fluz App Guide

The Fluz app has been on the scene for a few years now but we have never covered it in detail. Fluz is an app that I have started using more and more over the last few months. The Fluz app will help me save for the year of 2022, and I know it.

You can earn cash back on gift cards you purchase with the app. It's pretty slick because you can purchase exact amount gift cards and they come instantly. There are no stranded $0.97 gift card balances here. The gift card will often code in the category the vendor is in. If you buy a gift card for a restaurant, it will be used as a credit card. You can double dip a lot of the things you are already paying for, and rack up savings along the way. You can earn cash back on gift card purchases with the bonus rate on your credit card.

Our Referral Link (Use Code MTM1)  

It won't work on a desktop if you download it on your phone.

Update 5/2/22 – New Offer For Airbnb

There is an offer for gift cards. The promo option is available when you search on the app. You can get a $10 bonus if you buy a $50Airbnb gift card. May 7th is the end of the promo. You can earn up to 3% in Fluz cash back. Be careful with gift cards.

Fluz App Sign Up Process

The sign up process is very easy. When my wife signed up, I grabbed screen shots from the process. They will ask you for your phone number and email. Fluz will text you a code to verify your number, but that should be about it. You need to put in your reference code after you choose a password. The referral code is how you can get discounted gift card vouchers.

Fluz Vouchers & Referral Program

You will get 3 vouchers to use buying a gift card if you sign up via a referral code. You will get more cash back on those purchases.

Here is a list of the cards where vouchers work, and their increased cash back rates:
  • Uber Eats 20%
  • CVS 35%
  • Dunkin’ 35%
  • DoorDash 20%
  • Starbucks 35%
  • Domino’s 35%
  • Chevron 35%
  • Nintendo eShop 35%
  • Xbox 35%
  • PUBG Mobile 35%
  • Chipotle 35%
  • Spotify 35%
  • Burger King 35%
  • Steak ‘n Shake 20%
  • Papa John’s 35%
  • Jamba Juice 35%
  • Texaco 35%
  • Caviar 20%
  • Grubhub 35%

The vouchers can be used for up to $3.50 in cash back each, plus whatever the normal cash back rate is. If you max out your vouchers, you'll be sitting on at least $10.50 in cash back.

Referred friends and family used to earn you additional vouchers. The vouchers have been replaced with a $5 bonus to your balance. They need to make 2 purchases totaling at least $25 to get the bonus. Within 30 days of signing up, the requirements must be completed. Fluz has a guide in the app to track referrals.

New Account Voucher Example

This is an example of how vouchers work. My wife can get 20% back up to $3.50 on each voucher she uses. She would get cash back in Fluz. The lower left corner of the first picture shows this.

My wife would need to buy a gift card to get the cash back. She would end up with $3.58 in cash back when you add that to the normal cash back rate. My wife was able to do this 3 times with her vouchers. She could pick a brand for each one. You can bechoosy about the brands and go for the higher paying options.

Someone with a two player system could earn the following:
  • Up to $10.50 in cash back for the 3 vouchers for signing up (plus normal Fluz rewards earning rates).
  • Refer player 2 and they get 3 vouchers that can earn up to another $10.50 in cash back (plus normal earning rates).
  • You get a $5 bonus for referring them after they make 2+ purchases for $25+ in total.
  • That is a grand total of $26 in cash back on stuff you would use anyway.

Our Referral Link (Use Code MTM1)  

How Do You Cash Out Your Rewards?

We talked about how you can get a jump start on your earning, but how do you cash out?

Fluz requires you to earn $26 in rewards before you can cash out. There is no minimum after that. It is likely to stop people from using the welcome vouchers and then ghosting Fluz after taking the small win. It's annoying to have a minimum up front, but I like that it's dropped after the initial cash out.

You can redeem your rewards balance, once above $26, in a few different ways:
  • PayPal
  • Virtual Debit Card
  • Bank Account
  • Towards A Gift Card (Don’t Do This)

There are many ways to get rid of your balance. If you're getting a decent enough balance, you may not want to choose PayPal. If you use your rewards towards another gift card, you will miss out on the credit card points and cash back for that purchase. I think it's best to do a bank account deposit.

fluz app guide phone

When Using Fluz App Doesn’t Make Sense

There will be times when Fluz isn't your best option. If there is an Amex Offer on a store or restaurant, you should pay direct. If you have a co- branded card, you can get a better rate. You will get 5% back at the store if you buy a Target or Amazon gift card on Fluz.

You can buy a gift card at Fluz for your purchase if you just get the base earning for dining, grocery, etc. Credit card bonus points and the Fluz app cash back can be earned if you buy a gift card that code is dining or grocery. A nice dip! Test out individual brands with your credit cards. I believe that Chase, Amex and Citi are reliable in their coding. My friend at ToP said that Bilt has notcoded correctly on Fluz.

I had a real world example when I went to the movies with my son. We were going to see Sonic 2. I was able to purchase a gift card for Fluz because I was able to punch in the exact amount owed. I paid the tab after they entered my gift card. I earned $0.75 cents in Fluz cash back for making a few clicks. It can add up. When buying drinks and popcorn, I did the same thing. If you preload your credit cards, it's pretty easy to do the same thing when you're out and about.

Fluz App Guide: Final Thoughts

I hope the guide gave you more information about the program. I hope it shows you when the app can benefit you. Earnings will add up quickly if you use it here and there. After a few months, they can be a nice stash.

To get a jump start on your earning, punch in a referral code when you sign up. If you would like to use our referral link, our code is MTM1. If you support us, we appreciate it!

Fluz made a video about the program in case you are more of a visual learner.

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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