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Fluz Review: Overhyped or Actually Worth Your Time?

  • Writer: kbsmall4
    kbsmall4
  • Sep 5
  • 3 min read
Yellow flowers against a teal sky, with "Fluz" and "Review" text. A pink bird and butterflies add a serene, vibrant mood.

Launched in 2018 and headquartered in NYC, Fluz blends gamified rewards, social features, and up to 25% cashback on gift cards and everyday spending. With claims of $40 million earned by users and partnerships with giants like Amazon, Starbucks, and Uber, Fluz promises to “maximize your money”. But behind the confetti and "cashback parties," is it a legit side hustle or a data-sharing trap? We tested it and here's what we found.



What Is Fluz?


Fluz is a cashback and rewards app (iOS/Android) that pays you for:

  • Buying gift cards (5–25% back at 1,000+ brands)

  • Using its virtual Mastercard (1.5% back everywhere Mastercard is accepted)

  • Referring friends ($5 bonus + royalties on their spending)

  • Joining "Fluz Parties" (limited-time boosted cashback events)


Key Facts:

  • Business Model: Earns commissions from brands for driving sales

  • Payout Threshold: $15 minimum for cashouts (bank, PayPal, Venmo)

  • Security: FDIC-insured virtual cards via partner banks

  • Privacy Trade-Offs: Collects location, purchase data, and social connections



How Fluz Works

Yellow flowers under a bright blue sky with the text "HOW FLUZ WORKS" in bold yellow font. Peaceful and vibrant scene.

1. Gift Card Purchases (Primary Earner)

  • Buy digital gift cards for brands like Amazon, Starbucks, or Uber -> earn 5–25% cashback

  • Example: $100 Starbucks card -> $5–$25 back instantly

  • Catch: Must pre-purchase cards before shopping

2. Virtual Card (Everyday Spending)

  • Generate a MasterCard in-app -> use online/in-store via Apple/Google Pay -> earn 1.5% cashback on all purchases

  • Limitation: Cannot fund with credit cards (only bank accounts)

3. Referral Program (Network Earnings)

  • Get $5 per friend who signs up + lifetime royalties on their spending (up to 5 "degrees" of referrals)

  • Potential: Top users earn $500+/month from their network

4. Fluz Parties & Boosts (Gamified Rewards)

  • Join time-limited "parties" for up to 25% cashback at specific brands

  • Use "boosts" for extra discounts on future purchases

5. Challenges & Status Tiers

  • Complete tasks (e.g., "spend at 3 stores") for bonuses

  • Reach Silver/Gold/Platinum status for exclusive rates and beta features



Realistic Earnings

Table with three columns: User Type, Monthly Activity, and Estimated Earnings. Background of blue sky and yellow flowers.


Trustpilot Truths


Despite a 3.9/5 rating, several reviews highlight many issues:

  • Account Limited: Users report sudden restrictions for "suspicious activity" with no explanation

  • Support Delays: 48-72 hour response times for critical issues

  • Cashback Delays: Some rewards take 30+ days to appear

  • Ethics Concerns: One user alleged founder misconduct (unverified)



How to Cash Out

Yellow text "HOW TO CASH OUT" on a blue sky background with yellow flowers in the foreground, creating a calm, instructional mood.

  1. Threshold: $15 minimum

  2. Options:

    i. Bank transfer (1–3 days)

    ii. PayPal/Venmo (instant)

    iii. Virtual debit card (instant)

Watchout for:

i. Points expire after 6 months of inactivity

ii. No cash option for gift card purchases—only credit to Fluz account



Pros vs. Cons

Yellow text "PROS VS. CONS" on a turquoise background with yellow flowers at the bottom, creating a bright, cheerful mood.

Why Users Love It:

  • Higher cashback than most apps (e.g., Rakuten averages 2–10%)

  • Stacking potential with coupons, credit cards, and other apps

  • Fun, social features (parties, challenges)

  • No credit check or fees

Why Users Leave:

  • Extra step of buying gift cards before shopping

  • Virtual card cannot be funded with credit cards

  • Privacy concerns: Tracks location, spending habits, and social connections

  • Inconsistent customer support



Fluz vs. Alternatives

Yellow chart compares cashback apps Fluz, Rakuten, Ibotta on cashback rates, payout minimums, and best uses, set against a floral background.


Maximize Your Earnings

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  1. Stack like a Boss:

    i. Use Fluz + credit card rewards + Rakuten for triple discounts

  2. Join Every Party:

    ii. Check app daily for limited-time 20–25% cashback events

  3. Refer Strategically:

    iii. Share codes on social media; offer tips to referrals to boost their spending

  4. Pre-Buy Gift Cards:

    iv. Purchase cards for future needs (e.g., holiday gifts) to avoid last-minute hassle



Final Verdict

Yellow flowers against a blue sky with text "Who should use it?" in bold yellow font. Bright and cheerful mood.

Ideal if you:

  • Already buy gift cards regularly

  • Have a social media following to leverage referrals

  • Enjoy stacking coupons and rewards

  • Don’t mind pre-purchasing cards before shopping

Avoid if you:

  • Prefer passive cashback without extra steps

  • Are privacy-conscious about spending data

  • Expect instant customer support



Trying Fluz?

Create an account here: https://joinfluz.app.link/W86929C2D


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