Fluz App Complete Guide

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What Is Fluz?

At it’s core, Fluz (“Floos”) believes “people need more out of the life they are already living”. Simply put, Fluz is an everyday cashback app in which you are rewarded for paying for your everyday transactions with gift cards from Fluz. Importantly though, Fluz doesn’t replace your current favorite cashback apps (like Rakuten or TopCashback), it stacks with them and increases your earnings even further.


How Does Fluz Make Money?

Fluz charges the merchant partners a commission for every gift card you buy. Part of that commission is given to you through the cash back that you earn, part goes to the network that brought you to the app and part goes to Fluz. Ultimately, as of September 2020, Fluz was making ~1.2% on every transaction.

How To Register For Fluz

Here are the ten simple steps to registering for Fluz.

    1. Click On Our Referral Link
    2. Click Start Earning
    3. Click Register Now
    4. Enter Your Phone Number
    5. Enter One Time Passcode
    6. Enter Email Address
    7. Enter Legal Name
    8. Create Password
    9. Read & Accept Legal Jargon
    10. Enjoy Fluz

For a complete walk through of the above steps, please see the video below.

Everyday Use of Fluz

How Do I Use Fluz?

Here are the six simple steps to using Fluz.

  1. Open Fluz when you’re heading for the checkout (online or in person)
  2. Search the retailer that you’re shopping with
  3. Enter the exact amount of your purchase (i.e. $24.36)
  4. Select your payment method (most likely credit card or paypal)
  5. Enter your pin number to keep your account secure
  6. Use the gift card you just purchased and earn cashback in Fluz

For a complete walk through of the steps above, please see the video below.

How Much Cashback Can I Earn?

You can earn an unlimited amount of cashback from your purchases as well as the purchases of those in your network (discussed here). Currently, there are 300+ merchant available on Fluz offering cashback bonuses of up to 6.0%. We monitor all 300+ merchants on Fluz and update their cashback rates hourly in the table below.

What Are Boosted Rates?

In addition to the list of regular cashback rates listed above, Fluz will also provide boosted cashback rates. Every day, Fluz will choose a handful of brands for which they will provide a better cashback rate than the regular rate. As with the regular rates above, we also monitor boosted cashback rates and you can see the current boosted rates in the table below.

Fluz Merchant Coding

The Achilles heel of Fluz since it launched had been the lack of appropriate merchant coding (i.e. Domino’s didn’t code as restaurants, Kroger didn’t code as grocery, etc.). That said, things began to change with ‘office supplies’ coding launching in 2020 quickly followed by additional categories. Currently, Fluz has merchant coding for the Dining, Grocery, Office and Travel categories with more to come. You can see complete details on which brands are included in which category below.



Dining is by far the largest merchant code category for Fluz with over 100 brands. We note that the category uses merchant code 5812 which is “Eating Places and Restaurants”.

Brand Category MCC Code
99 Restaurant & Pubs DINING 5812
Amazon Meal Kits DINING 5812
American Girl Place Restaurants DINING 5812
Applebee's DINING 5812
Aquarium DINING 5812
Auntie Anne's DINING 5812
Babin's Seafood House DINING 5812
Bahama Breeze DINING 5812
Bakers Square DINING 5812
Baskin-Robbins DINING 5812
Bertucci's DINING 5812
Bill's Bar & Burger DINING 5812
BJ's Restaurants DINING 5812
Black Angus Steakhouse DINING 5812
Bloomin' Brands DINING 5812
Bob Evans Restaurants DINING 5812
Bonefish Grill DINING 5812
Boston Market DINING 5812
BR Guest DINING 5812
Brinker Restaurants DINING 5812
Brio/Bravo Restaurants DINING 5812
Bubba Gump DINING 5812
Buca Di Beppo DINING 5812
Burger King DINING 5812
Cadillac Bar DINING 5812
Café Spaggia DINING 5812
Captain D's DINING 5812
Caribou Coffee DINING 5812
Carrabba's Italian Grill DINING 5812
Carvel DINING 5812
Caviar DINING 5812
Chart House DINING 5812
Cheddars Scratch Kitchen DINING 5812
Cheryl’s DINING 5812
Chili's DINING 5812
Chipotle DINING 5812
Cinnabon DINING 5812
Claim Jumper DINING 5812
Cold Stone Creamery DINING 5812
Darden Restaurants DINING 5812
Domino's DINING 5812
DoorDash DINING 5812
Dos Caminos DINING 5812
Dunkin' DINING 5812
Fazoli's DINING 5812
Fleming's Prime Steakhouse & Wine Bar DINING 5812
Fogo de Chao Brazilian Steakhouse DINING 5812
Fruit Bouquets DINING 5812
Ghirardelli Chocolate DINING 5812
Goodcents DINING 5812
Grotto DINING 5812
Groupon DINING 5812
Grubhub DINING 5812
Hard Rock Cafe DINING 5812
Herbie's On The Park DINING 5812
Hooters DINING 5812
Jake Melnick's Corner Tap DINING 5812
Jamba Juice DINING 5812
Jersey Mike's Subs DINING 5812
Joe's Crab Shack DINING 5812
Krispy Kreme Doughnut DINING 5812
LaGriglia DINING 5812
Landry's DINING 5812
Landry's Seafood DINING 5812
Legal Sea Foods DINING 5812
Levy Restaurants DINING 5812
Line & Lure DINING 5812
Lobster Gram DINING 5812
LongHorn Steakhouse DINING 5812
Lucille's Smokehouse BBQ DINING 5812
Maggiano's Little Italy DINING 5812
McAlister's Deli DINING 5812
McCormick & Schmick's DINING 5812
Michael Jordan's Steak House DINING 5812
Mitchell’s Fish Market Restaurant DINING 5812
Moe's Southwest Grill DINING 5812
Morton's The Steakhouse DINING 5812
Motor At The Harley Davidson Museum DINING 5812
O'Charley's DINING 5812
Olive Garden DINING 5812
Omaha Steaks DINING 5812
On The Border Mexican Grill & Cantina DINING 5812
Outback Steakhouse DINING 5812
P.F. Chang's DINING 5812
Paddlefish DINING 5812
Panera Bread DINING 5812
Papa John's DINING 5812
Peet's Coffee & Tea DINING 5812
Piccadilly DINING 5812
Pinkberry DINING 5812
Quiznos DINING 5812
Rainforest Café DINING 5812
Red Lobster DINING 5812
Red Robin DINING 5812
River Crab Blue Water Inn DINING 5812
River Roast DINING 5812
Ruby Tuesday DINING 5812
Ruth's Chris DINING 5812
Saltgrass Steak House DINING 5812
Schlotzsky's DINING 5812
Seamless DINING 5812
Seasons 52 DINING 5812
Spiaggia DINING 5812
Starbucks DINING 5812
Steak 'n Shake DINING 5812
Stock Yards DINING 5812
Strip House DINING 5812
Studio Movie Grill DINING 5812
Taco Bell DINING 5812
Texas Roadhouse DINING 5812
TGI Fridays DINING 5812
The Cheesecake Factory DINING 5812
The Coffee Bean & Tea Leaf DINING 5812
The Oceanaire DINING 5812
Tijuana Flats DINING 5812
Tony Roma's DINING 5812
Uber Eats DINING 5812
Uno Pizzeria & Grill DINING 5812
Vic & Anthony's DINING 5812
Village Inn DINING 5812
Walmart Cafeteria DINING 5812
Willie G's DINING 5812
Yard House DINING 5812


Grocery is an extremely useful category given many credit cards have been offering grocery bonuses as of late. We note that the category uses merchant code 5411 which is “Grocery Stores, Supermarkets”.

Brand Category MCC Code
Amazon Fresh GROCERY 5411
Dean & DeLuca GROCERY 5411
Giant Eagle GROCERY 5411
Kroger GROCERY 5411
Sheetz GROCERY 5411
Target GROCERY 5411
Walmart Grocery GROCERY 5411
Wine.com GROCERY 5411


Office was the original merchant code category and served as a testing ground of sorts for Fluz. We note that the category uses merchant code 5111 which is “Stationary, Office Supplies, Printing and Writing Paper”.

Brand Category MCC Code
Amazon Business OFFICE 5111
Apple OFFICE 5111
Groupon OFFICE 5111
Office Depot & OfficeMax OFFICE 5111
Overstock.com OFFICE 5111
Skype OFFICE 5111
Staples OFFICE 5111
Walmart Business OFFICE 5111


Travel will prove the most confusing for many given that many categories distinguish between certain types of travel (i.e. airlines, general travel, etc.) for their bonus categories. We note that the category uses merchant code 4722 which is “Travel Agencies and Tour Operators”.

Brand Category MCC Code
Airbnb TRAVEL 4722
American Airlines TRAVEL 4722
Amtrak TRAVEL 4722
Carnival Cruises TRAVEL 4722
Celebrity Cruises TRAVEL 4722
Delta Air Lines TRAVEL 4722
Fairmont Hotels & Resorts TRAVEL 4722
Flightgiftcard TRAVEL 4722
Global Hotel Card US TRAVEL 4722
Groupon TRAVEL 4722
Holland America Line TRAVEL 4722
Hotelgift TRAVEL 4722
Hotels.com TRAVEL 4722
Princess Cruises TRAVEL 4722
Raffles Hotels & Resorts TRAVEL 4722
Royal Caribbean TRAVEL 4722
San Luis Resort TRAVEL 4722
Southwest Airlines TRAVEL 4722
TripGift TRAVEL 4722
Uber TRAVEL 4722
Westgate Resorts TRAVEL 4722
Wyler's Hotels TRAVEL 4722

Fluz Business Account

What Is A Fluz Business Account?

A Fluz Business Account is an amplified account that has multiple incremental benefits including…
1. Increased Daily Account Spend Limit

2. Cash Balance (Beta)

– Cash balance is a virtual account balance that can be used to purchase gift cards, virtual one-time use cards and (soon) transfer funds via peer-to-peer payments

3. Cash Balance Only Merchants

– Cash balance only merchants include walmart and amazon as well as visa and mastercard gift cards.

4. One-Time Use Virtual Cards (Early Access) [Coming Soon]

– Earn 1.5% cash back anywhere Visa is accepted

How Do I Apply For A Fluz Business Account?

If you are already a power portal there are two ways to apply:

    1. Log into the power portal and open the chat function. Look for a section titled “Upgrade to a Business Account”.
    2. Click here and log in to your power portal account. This is the same link you access in step one.

How Do I Access The Power Portal?

The Power Portal login can be found at https://power.fluz.app/.

What Documentation Will I Need To Apply?

There are up to 7 documents that you will need to apply for a Fluz Business Account:

  1. Filled out Business Account Application Form
  2. US-based Business
  3. EIN Letter
  4. Articles of Incorporation
  5. Business Bank Statement
  6. Valid Government ID
  7. Other Owners Info Sheet (if applicable)

Fluz Referral System

What Is My Network?

Your network is all the people that you’ve brought to the Fluz platform whether directly or indirectly. For instance, if you invite your wife and your wife invites her brother, both your wife and your brother will be a part of your network. If either your wife or your bother make a purchase, you make money. Even further, you will make money for every person your wife refers and money for every person your wife’s brother refers. Note, you only receive money up to 16 degrees of separation but that still allows for you to have over 65,000 people in your network before it is full.


Is Fluz A Pyramid Scheme?

No, Fluz is not a pyramid scheme. Yes, the referral system is set up in a pyramid structure but importantly, your pyramid is limited and every person along the 16 degrees of separation chain earns the same amount unlike pyramid schemes where all the benefits filter to the top of the pyramid. Fluz believes in equality of opportunity but not equality of outcome. Every person that joins the platform has the opportunity to have a full network of 65,000+ people. That said, not everybody will have that outcome.


What Are Vouchers?

So many times, we find out about a great product or app and it just isn’t worth our time to set up regardless of how useful we think it might be. Vouchers are Fluz’s answer to that. Whenever you refer someone (or are referred) to Fluz, each party (the referee and the referer) will receive 3 vouchers. Each voucher is worth a maximum of $3.50 so Fluz effectively handed you $10+ just for joining the platform.


How Do Vouchers Work?

Like regular cashback rates, there are special voucher rates for ~10 merchants at any one time and Voucher rates are substantially higher than regular cashback rates. For example, the everyday rate for Uber Eats is 0.5% while the voucher rate is 20%. So if you were to purchase a $10 uber eats gift card, you would receive 20% (or $2) IN ADDITION TO the regular cashback of 0.5% (or $0.05) for a total of $2.05. Since vouchers are worth a maximum of $3.50, you would need to purchase a $17.50 Uber Eats gift card. Voucher rate merchants will vary by the day and rates across merchants vary from 12% to 35%. In addition, vouchers expire after 60 days. Below you can see all current voucher merchants, their regular cashback rate and their voucher rate.

Creating The Ultimate Savings Stack With Fluz

(1) Cashback Website

Shop online and enable your favorite cashback website such as Rakuten or Total Cashback. One thing to note is that since Fluz provides you with merchant gift cards, make sure the merchant your are shopping with is eligible for cashback when using a gift card as your payment method.


(2) Promo Codes

Apply promo codes to your purchase to save even more. Some promo codes will negate your cashback portal so be sure they will work together.


(3) Use Fluz

Use a gift card purchased from Fluz to pay and earn cash back.


(4) Credit Card Rewards

This has been the Achilles heel of Fluz since it launched. Purchases of Domino’s did not code as restaurants and purchases of Kroger did not code as grocery. That said, things are about to change… Fluz has already rolled out brands that code as ‘office supplies’ with the Audible, OfficeMax/OfficeDepot, Staples and officesupply.com gift cards. Launching within the next two week will be the grocery category with Restaurants, Entertainment & Pharmacy next on the docket. Unfortunately, due to logistical reasons, Travel will not be flow through category in the near-term.


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