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Last updated Apr. 18, 2023 by Peter Jakes

Earning money on purchases with your favorite retailers is easy when you use a legit cash-back app. Fluz is one of these cash-back apps typically created to provide ways to pad your wallet, either by earning cash back on purchases you already made or by finding exclusive shopping discounts. However, it takes a unique approach to get the best out of the Fluz app.

In this Fluz review, you’ll discover how Fluz works, what it is, and how much cash-back you can potentially make. Therefore, you’ll know if this cash-back app is right for you.

What is Fluz?

Fluz is a legit cash-back mobile app (available on iOS and Android devices) that’s available to download for free and use. The platform was launched by Stefan Krautwald and Maurice Harary in 2016 and tested in Colombia, where it was initially used for selling and managing digital gift cards. The company experienced success, but the pilot program website (Fluz Fluz Colombia) was sold. Then, the Fluz app was created in the U.S. market.

Now, Fluz focuses on providing cash-back for purchases people make daily, from buying new clothes to eating out. Like many similar apps, Fluz is paid by retailers when it attracts customers to them. A percentage of this money is then distributed to users in different ways.

Other than earning cash back on purchases, one way to make money on Fluz is to earn cash back each time a member of your network (group) uses Fluz to buy items. So if you refer friends or family to Fluz and use it, you will earn passive income from each purchase they make.

Who Can Use Fluz?

Fluz is an app open to anyone 18 or above with a compatible smartphone and an eligible payment method. If you meet this criterion, download the Fluz app on your iOS or Android devices via the App Store or Google Play. Then, complete the sign-up and another registration process to get started.

To start earning with Fluz, you should be able to buy digital gift cards using the Fluz app. Also, you’ll need to link an eligible method of payment, either a credit card or a debit card. You can also link your bank account, PayPal account, or Apple Pay account.

Fluz can be great for anyone who wants to earn cash back on purchases they’re already making. It also gets easier for anyone with a large social media following. The app is handy for those who like to shop online (though you will have to add something extra to your shopping routine — which typically would be buying a gift card using Fluz and using that gift card to purchase an item online).

How Does Fluz Work?

Most cash-back apps offer cash-back to users who use their app to scan shopping receipts or purchase specific items. But Fluz works quite differently.

Fluz sells gift card codes to users, which they can use for loads of popular retailers. The platform partners with popular retailers such as Amazon, CVS, Domino’s, Adidas, Netflix, Nike, Walmart, Spotify, Burger King, Hulu, and a host of others.

You earn cash-back when you buy any available gift card codes via Fluz; you use the code to purchase at any applicable stores.

For instance, if you want to make an online purchase from Walmart, you’ll select the items you want on the Walmart website and add them to your cart. Then at the checkout process, you’ll see the total amount, including fees, taxes, and shipping costs.

Then login to the Fluz app and insert the exact amount you saw and buy a Walmart gift card code. You’ll earn cash back for buying the gift card code, which you can use for your Walmart purchase. It’s as simple as that! Plus, you’ll get cash back for shopping at Walmart.

Even better, you can use credit cards to buy gift cards through the Fluz app. You can double dip your rewards effectively (also known as stacking rewards) using this method because you’ll earn cash-back and credit card rewards through Fluz simultaneously.

Another way to earn on Fluz is by building a network. Fluz allows its members to build a network of over 65,635 people. Each time a person in your network purchases an item, you’ll earn a percentage of their cash back.

Therefore, with a network of thousands, you have the potential to make a lot of money in cash-back rewards. In addition, the app offers special bonuses for growing your network, which is worth thousands of dollars!

How Much Can You Earn From Fluz?

You can earn up to 35% gift card purchases at specific retailers.

However, there’s a limit on the cash-back, so you won’t get 35% back on a $100 gift card, for example. But you can get a few $10 gift cards. The amount you make depends on how much you shop and if you choose to refer friends or not.

So if you want to earn more, it’s a great idea to invite your friends to join the app with your referral link. Fluz offers a referral program that enables you to earn more cash each time your friends make purchases and invite their friends.

To refer friends, invite them to join through the app or share your Fluz referral code online. Each time your friends join using your link, they automatically join your network. Consequently, your friends will be given three vouchers for 35% cash back when they sign-up, and in turn, you’ll get a coupon.

Fluz Review: How To Get Started

Using the Fluz app is quite easy. First, however, follow these simple steps to get the best out of the app.

Step 1: Download the Fluz app, then sign up for an account. Use a name similar to the payment method you plan to use, and also provide your original phone number and email address.

Step 2: Look for the transaction section and link your debit or credit card. Note that you cannot edit the name on the card you enter, so it’s essential to sign up with a name similar to your preferred payment.

Step 3: Go ahead and find your favorite retailer. There were over 468 partnered companies during their testing period, including many major retailers, restaurants, and grocers.

Step 4: Shopping on Fluz is like any regular app. No special steps are required — you can shop online or in-store as you usually do. So start shopping!

Step 5: Enter the exact amount of purchases you made into the Fluz app (including tax). Fluz will charge the card on file and give you a pin, gift card, and a QR code.

Step 6: Enter the gift card code online (when shopping online), or show the cashier the QR code (when shopping in-store).

Step 7: Get your cash back. The cash-back earned for every transaction is instantly credited to your Fluz account (although for your first withdrawal, there is a $25 minimum).

Step 8: Transfer the earnings to your bank account. You can request a payment via PayPal, to your bank, virtual debit card, or Venmo.

How to Earn Stacking Rebates on Fluz

Another way to earn with Fluz is by leveraging the double stack.

To receive the double stack:

  1. Buy a $100 gift card at a store for 5% rewards. Earn $5 Fluz cash. Pay with a credit card that makes at least 2% cash-back or points and earn rewards (as usual) for the purchase.
  2. Check the Cashback Monitor and find the best portal. Let’s say it’s Swagbucks. Then, click through to the store.
  3. At checkout, use the gift cards as your method of payment. You’ll receive your portal cash-back (or points or miles) and the Fluz cash-back.

Why Use Fluz?

Fluz is a legit cash-back app offering two key aspects and a clean user interface that distinguishes it from other options. First, it allows stacking rebates with other cash-back and discount sites to promote more significant savings.

Furthermore, it’s one of the few apps that offers cash-back at retailers like restaurants and grocery stores. It’s an enticing premise and promises a whole new experience of greater shopping deals.

Fluz offers users cash-back when they shop at partnered retailers and pay using the Fluz app. This means you’ll need to link a payment account — a credit card, debit card, PayPal, or bank account — and then enter the exact purchase amount within Fluz before checking out.

Then, you’ll receive a gift card code (for shopping online) or a QR code to scan (for in-store shopping) to pay the retailer. As a reward for this extra step, you’ll earn between 1-5% (and sometimes between 1-20%) of your purchase price.

Fluz Review: Pros & Cons

Like any other cash-back app, Fluz has its pros and cons. Reviewing this will help you know if it’s the best cash-back app.


  • Fluz is stackable with other cash-back apps and rewards portals, potentially increasing your overall savings.
  • The cash-back you earn from Fluz is credited to your account instantly.
  • Fluz protects your data using bank-level encryption.
  • After making your first withdrawal ($26), future withdrawals are minimal.
  • You can stack savings and rewards.
  • There are numerous stores available, both online and in-store.


  • You’ll have to go through the in-app payment process for every purchase.
  • Different payment options earn different cash-back rates— the most common methods (debit and credit cards) tend to be the lowest.
  • In-store payments need improvement.
  • They offer a one-time withdrawal minimum of $26 for your first cashout. Therefore, savings are not instant.

Fluz related questions 

How do I Withdraw Money From FLUZ App?

To withdraw money from your Fluz account, visit your Fluz wallet; located at the top left of your screen. Then tap on transfer, and select “Withdraw from Fluz. Next, tap to choose your withdrawal method. Finally, insert the amount you wish to withdraw, cross-check, and confirm.

NOTE: You must reach a $ 26-lifetime cash-back balance before you are allowed to withdraw. It is a one-time requirement, so you can withdraw anytime as soon as you earn $26.

Is Fluz a Legit App?

Fluz is a legit cash-back app enabling users to earn rewards for shopping. However, unlike other cash-back platforms, Fluz allows you to buy a gift card for the same amount as your purchase. You’ll get cash back for this, and you can use the gift card to pay for your purchase.

If you shop regularly, Fluz is one of the most reliable ways to earn extra money for something that you already do. On top of that, it is 100% free to register! The platform has been rewarding users since 2019.

Who Owns Fluz?

Co-founder Maurice Harary owns the Fluz app. The platform was launched by Stefan Krautwald and Maurice Harary in 2016 and tested in Colombia, where it was initially used for selling and managing digital gift cards. The company experienced success, but the pilot program website (Fluz Fluz Colombia) was sold. Then, the Fluz app was created in the U.S. market.

Frequently Asked Questions

Does Fluz Sell Gift Cards?

Yes, it does. Fluz is a payment app that allows users to purchase a gift card from them and earn cash back on the purchase, similar to platforms like MPX. When you buy a gift card from Fluz, you can use it to trade in over a hundred select merchants.

How Do I Check For Balance On My FLUZ Gift Card?

You can simply search on google on the store’s gift card balance checker. Then, get the result by entering the card number and pin on the Fluz App. Some merchants like Uber, amazon, Spotify, etc. require you to log into your account to check the gift card balance or redeem the reward.

Do Fluz Gift Cards Expire?

Yes, they do. A Fluz voucher will expire sixty days from the date the voucher is issued. Therefore, ensure you use them before the expiry date. Once a gift card is expired, it becomes invalid and cannot be used for any purpose.

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