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Fluz App Review: How to Make Money With Your Online Shopping?

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Fluz Review

fluz logo

Fluz is a reliable cash back app that enables users to earn rewards for their spending. Unlike other cash back platforms, Fluz enables you to buy a gift card for the exact amount of your purchase. You will get cash back for this and can then use this gift card to pay for your purchase. If you shop regularly, Fluz is one of the best ways to earn some money for something that you already do.



Safe & Legit

Earning Potential

Ease of Use

Payout Process


  • Earn cash back at 1000+ retailers – get rewarded for shopping at popular online and physical stores such as Hulu, Adidas, Nile, Uber, and many more.
  • High cash back rate – earn a relatively high cash back of up to 35% on all your online purchases, and get rewarded for your shopping spending.
  • Boost your earnings with a referral network – earn $4500 or more in passive income by creating a network of people you’ve referred to the platform.
  • Fast processing time for cash back – cash back will typically be reflected in your account either instantly or within 24 hours of your purchase.


  • Complex referral system – there are up to 15 levels in the referral program, which can make it difficult to keep track of your own referrals.
  • High minimum cash out amount – the minimum amount to cash out is $26. If your bank charges an ACH fee, this will be deducted from your earnings.

Jump to: Full Review

Compare to Other Cashback Sites


Swagbucks logo

18 ways to earn money – surveys, coupons, cashbacks + $5 sign up bonus

Up to 10% cashback from stores – Walmart, Amazon, Best Buy, JCPenney

Most members can earn an extra $50 – $200 a month using Swagbucks


Tada logo

Get $10 cash back bonus after spending $25 with any of 1000+ brands

Easy to get up to 20% cash back – simply scan your receipt and upload it

Claim your cash back by PayPal or from over 80+ gift card options


TopCashback logo

20 million members earn on average $345 cash back a year (4400 retailers)

Generous cashback offers and deals – up to 65% from some of retailers

Get notifications of latest deals with mobile app or browser extension

How Does Fluz Work?

With Fluz, you can earn free cashback on every purchase and get paid for being social. The app is 100% free to download and use and partners with large retail chains to provide discounts and other perks for users who shop through them. 

Fluz allows you to;

  • Shop where you always shop
  • Select the store you’re at & enter your exact checkout amount.
  • Present the gift card code to the cashier or paste it during online checkout to complete the purchase
  • Transfer money to your bank account through PayPal

Like other types of cashback apps, Fluz works with retail brand partners. It receives compensation for referring its customers to its merchant network. As a user, you’ll receive a portion of this compensation when you make purchases through the app. 

Purchasing through Fluz

The actual process of purchasing through the Fluz app is quite straightforward. You simply shop online. After you complete your purchase, open up the app and enter your purchase amount. 

You’ll pay Fluz and receive a gift card code that you can use during checkout to finalize your purchase. The payments to each merchant are completed through Fluzpay. 

So, before you make your purchase, you need to load the appropriate amount to complete your transaction. 

How Much Cashback You Can Get with Fluz?

You can earn up to 35% in cashback with Fluz on $100 gift cards. You can also get a few $10 gift cards and redeem them. The amount of cashback you can earn will vary according to the specific merchant. Fluz does not list all the cashback percentages but does state that you can earn up to 35%.

Other Ways to Earn with Fluz

What sets Fluz apart from many other reward apps is that there are other ways that you can earn some cash. In addition to earning cash when you make purchases with participating merchants, you can also earn cash through the Fluz referral program. 

The Referral Program

You can invite friends and family members to join the Fluz platform. When you have friends participating in the service, you will then be an Independent Fluz Network Member.

How to qualify 

To qualify, you need to have at least two of your referrals create qualified accounts. You will then receive rewards on each purchase within your network. Your Fluz network can reach 15 referral levels, in theory allowing you to build a business with 65,000+ people using the app in your network. 

The cash you earn through your network will require no input or effort from you, so you can create a totally passive income source. However, the cashback calculation is a little complicated. You’ll receive a share of the 33% of the cashback earnings from your referrals. But, if that member has referrals down to five levels, you will only receive a percentage from your original referral.

Build a business with your Fluz network

Who is Fluz Best for?

Fluz is great for people who love to shop for deals online or offline. It’s also suitable for those who want to earn extra money online by doing what they are already doing: shopping.

Fluz Partner Stores

Fluz partner stores include:

  • Burger King
  • JCPenny
  • Starbucks
  • Walmart
  • Amazon
  • Red Lobster
  • Nordstrom
  • Gap
  • Airbnb

Fluz Features: What Does Fluz Offer?

Fluz stand out features includes;

Cashback on referrals.

Fluz allows you to earn cashback from the purchases of their friends.

Various ways of earning.

Fluz offers a variety of ways for users to earn rewards, including social media sharing and referral programs.

Transfer money to a bank account or PayPal.

Unlike other apps, Fluz allows you to transfer money to your bank account or PayPal.

No points to be redeemed or receipts to be scanned.

Fluz does not offer any points to be redeemed or receipts to be scanned.

 Is Fluz Free?

Fluz is 100% free to register and use.

Fluz Payout Terms and Options?

The Fluz app features a wallet where you can track your cashback balance. Once you reach the minimum cash out of $26, you can claim your rewards. 

You will need to ensure that you have set up your bank details to receive the funds. If you have not yet completed this process, you will need to wait two business days after adding an account before you can request a withdrawal.

Fluz does not impose fees or service charges for cashing out, but if there are any fees from a third party, such as a fee from your bank, these will be subtracted from your rewards. 

For example, if your bank charges a $5 fee to process an ACH bank transfer, this will be deducted from your requested cashout amount. But, generally, these types of fees only apply to bank accounts outside the U.S.

To check your Fluz account balance, log in to the app and tap the balance in the top left corner of your screen. This will lead you to a wallet where you will find available cashback balance, pending cashback balance, and the total cashback amount earned throughout.

Fluz Reviews: is Fluz Legit?

Fluz is a legit site that has been rewarding members since 2019. Rated 4.6 on google play, 3.9 on the app store, and 4.7 on Trustpilot, the platform has gathered both negative and positive reviews. According to most reviewers, Fluz is an effective platform that helps you earn cashback and other discounts on your shopping.

Other users also praised it for allowing them to save on their everyday purchases. Unfortunately, a few users argued that it’s hard to earn vouchers if you don’t refer your friends.

Google Play Store4.2
Apple Store3.9
Better Business BureauA-

What are the Fluz Pros & Cons?

Fluz Pros

  • Earn cash back through a network of merchants
  • Good referral program that allows you to build a network and earn passive income 
  • Rewards are in cash, not points. 
  • Uses bank-level encryption to keep your data safe

Fluz Cons

  • The list of merchants is far smaller than many competing apps
  • Payments are loaded for individual merchants hence you cannot transfer funds between merchants. 

Fluz Voucher cashback rates differ between merchants, cashback rates are subject to change anytime.

How Good is Fluz Support?

Fluz offers various customer services options, including a help center, chat support, email support, and even phone support. However, you can only contact them during regular business hours Monday through Friday. 

Review Verdict: is Fluz Worth it?

Fluz is a reliable app that lets you earn cashback on purchases. Although the network is quite small compared to other cashback platforms, there is a chance that this will increase over time as Fluz further develops its reputation. 

You can earn up to 35% cashback on your purchases, but the process is a little fiddly. You need to make a payment to Fluz and then use the gift card it generates to make your purchase. Unfortunately, each merchant is separate. So, if you load funds for one merchant, you can’t change your mind and use it for purchase with another merchant. 

Since Fluz is free to join and offers the potential to build a network of referrals, earning you a percentage on their cashback, it is certainly worth giving it a try.

How to Sign Up for Fluz

To get started with Fluz;

  • Go to the app store and download the app. 
  • Enter your name, email address and phone number before creating your password. 
  • Create a four digit code to access the app.
  • Link a credit card to make payments and provide your bank account details to receive cash rewards. 

There are some criteria to be eligible to join the Fluz platform. These include:

  • Age 18+
  • Have a valid bank account to link to the Fluz app
  • Provide a verifiable phone number and email address
  • Not have been previously removed or suspended from the Fluz program.

Sites Like Fluz

CompanyFluz AppSwagbucksBeFrugalTopCashBack
Logo fluz logo swagbucks logo befrugal logo topcashback logo
Saving potentialUp to 35%$50 to $1000Up to 40%Up to 40%
Number of shopsOver 1500Not IndicatedOver 5000Over 4500
Best forCashbacks, and completing bonusesSurveys, online shopping and referralsCashback, deals and couponsCashbacks

Fluz vs. Swagbucks

Swagbucks Summary

  • 18 ways to earn money and e-gift cards
  • $5 sign up bonus
  • Up to 10% cashback when shopping online
  • $1 minimum e-gift card withdrawal

Swagbucks is a free service that pays you in cash and gift cards to shop online and in person, watch videos, and take surveys. While Swagbucks offers additional ways to earn, including watching videos, Fluz only offers referrals and cashback. 

Swagbucks also allows you to save $50 to $1000 compared to Fluz, whose cashback saving potential is up to 35%. Otherwise, both apps provide cashback and referrals as ways to earn.

Fluz vs. BeFrugal

BeFrugal Summary

  • Guaranteed to have the highest cashback
  • More than 5000 stores to get cashback
  • Over 5 different ways to get rewards
  • 6 different ways to cash out your earnings

BeFrugal is an online rebates site that lets you earn cashback rewards when you make purchases. Like Fluz, BeFrugal is free to sign up and use. While BeFrugal has over 5000 partner shops, Fluz boasts 1500+. 

BeFrugal also allows you to save up to 40% while making purchases compared to Fluz, which allows you to save up to 35%. That said, both online apps can provide you with the best option to earn.

Fluz vs. TopCashBack

TopCashback Summary

  • Get 100% of all the cash back you earn
  • No minimum threshold to cash out
  • Earn cash back at over 4400 partner stores
  • Earn up to 25% cash back and discounts

TopCashBack is an online cashback site and coupon site that allows you to earn cashback on your purchases. While both platforms allow you to earn cashback, 

TopCashBacks supports over 4500 partner stores compared to Fluz, whose p[artners stores are 1500+. TopCashBack also lets you save up to 40% compared to Fluz’s potential savings of up to 35%.

Fluz vs. Rakuten

Rakuten Summary

  • High cashback potential of up to 40%
  • Earn cashback at over 2500 online stores
  • 6 different ways to earn cashback
  • Get $10 for free just for signing up

Formally known as Ebates, this is perhaps the most popular cashback app. It is free to use and has a merchant network of over 2,500 brands. Rakuten offers cashback rates of up to 40%. 

The main difference between Rakuten and Fluz is that Rakuten has a chrome extension. This is a Cash Back Button that works in the background automatically. When the extension detects that you are shopping for a deal at a partner store, it will prompt you to activate cashback. 

Fluz vs. MyPoints

MyPoints Summary

  • $5 sign-up bonus upon email confirmation
  • $0.27 to $2.13 on average per survey
  • Over 10 different ways to earn money
  • Pays by gift cards and PayPal

Like Rakuten, MyPoints has a very large merchant network with over 2,000 participants. You can also earn cash back up to 40% with popular brands. You can also claim your cash back via PayPal payment or gift cards. 

Fluz vs. Ibotta

Ibotta Summary

  • 2 ways to earn – app or browser extension
  • Earn up to 30% cash back on purchases
  • Get a $5 bonus by referring friends
  • Over 1500 stores you can earn cash back at

This is another popular alternative to Fluz. You can link your loyalty cards and use Ibotta like a coupon. Simply select items before shopping and clip a coupon before you make a purchase. Additionally, you can click “Pay with Ibotta” so you don’t need to scan the receipt. 

You will earn cash by purchasing items that you would normally buy and shopping as usual. You can then transfer your rewards to a PayPal account or choose a gift card.

While all of these Fluz alternatives offer the potential to earn cash back, only Fluz has the facility to build an income stream. You can create a network of your family and friends to earn a percentage of their cashback. 

So, if you are primarily interested in shopping cashback, you may be better suited to the Fluz alternatives that offer a larger merchant network. But, if you like the idea of developing a passive income, it is worth giving Fluz a try. 

Other sites like Fluz

Fluz FAQ

What is Fluz?

Headquartered in NYC, Fluz is a cash-back app that was founded in 2016 by Maurice Harary & Stefan Krautwald.

When Fluz was first launched, it attracted more than 30,000 users in the first 100 days. The company’s mission is to connect as many shoppers as possible so that earning money becomes as easy as spending it.

Earn up to 35% cashback on your online shopping.

What is Fluzpay?

Fluzpay is a cashback reward feature that is part of the Fluz app. In simple terms, it is a digital discount gift card that enables you to buy store credit or enjoy a negotiated cashback rate on your full purchase. 

Is the Fluz safe?

Fluz is a legit cashback app. While it does encourage you to build a network to create a passive income, it is not a pyramid scheme or any form of dodgy marketing scam. 

Does Fluz balance expire? 

No. You do not have to consume the whole amount in one purchase. You can use them over time. 

Is Fluz secure?

Fluz uses 2-factor authentication, and industry-leading encryption protocol to protect its members.

What payment methods does Fluz accept?

Fluz accepts bank cards, PayPal, ACH transfer/bank payments.

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Kate Starr


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