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

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Fluz App 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.

Best 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


BeFrugal logo

Get 25% bonus if you find another site with a higher cashback rate

Over 5000 stores where you can get cashback up to 40% on your spending

5 different ways to get rewards and 6 different ways to cash out your earnings


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

What is Fluz App?

The Fluz app allows you to receive discounts and perks when you shop online. This is a free to use platform offering you up to 35% cash back on your online shopping. Fluz partners with well known retail brands, so you can earn a discount each time you shop through the Fluz app. 

Earn up to 35% cash back on your online shopping

Is Fluz Legit?

If you’re wondering if Fluz is safe, you’ll be reassured to know that while Fluz has only been operating since 2019, it has proven to be a legit platform.

Google Play Store4.2/5
Apple Store4.5/5
Better Business BureauA-

There are numerous Fluz app review comments that support this and highlight how effective the platform is to help you earn cashback and other discounts on your shopping. 

How Does Fluz App Work?

Like other types of cash back 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. 

The amount of cash back you can earn will vary according to the specific merchant. Fluz does not list all the cash back percentages, but does state that you can earn up to 35%.

The primary limitation of Fluz is that the list of merchants only includes approximately 150 brands. Although this includes some of the most popular merchants, the network is far smaller than other spending apps. 

The list of merchants includes:

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

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 on during checkout to finalize your purchase. 

The payments to each merchant is completed through Fluzpay. So, before you make your purchase, you need to load the appropriate amount to complete your transaction. 

How to Sign Up for Fluz

You can begin the Fluz sign up process by downloading the app. The Fluz app is compatible with both Android and iOS devices. You’ll need to supply your name, email address and phone number before creating your password. 

After you provide this information, Fluz requires that you create a four digit code to access the app. You’ll also need to 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.

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. 

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 cash back calculation is a little complicated. You’ll receive a share of the 33% of the cash back 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

How to Claim Your Rewards

The Fluz app features a wallet where you can track your cash back 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 cash out amount. But, generally, these types of fees only apply to bank accounts outside the U.S.

Fluz Pros & Cons


  • Earn cash back through a network of merchants including popular retailers and brands
  • Superb referral program that allows you to build a network and receive a passive income from your referral’s purchases.
  • Rewards are in cash, not points. You can also transfer your earnings into your bank account directly


  • The list of merchants is far smaller than many competing apps
  • Fluz app review comments highlight that customer support can be problematic. You can only access the customer service team during regular business hours Monday through Friday. 
  • Payments are loaded for individual merchants and you cannot transfer funds between merchants. So, if you load $50 onto Starbucks, you can’t use part of this fund for a Walmart purchase.
  • The referral earnings are complicated and will depend on the level of your referral.

Fluz Alternatives

Fluz is by no means a unique idea, there are actually lots of platforms that offer you cash back on your purchases. Some of the Fluz alternatives include:


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 cash back app. It is free to use and has a merchant network of over 2,500 brands. Rakuten offers cash back rates 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 cash back. 


MyPoints Summary

  • $10 sign-up bonus with your first purchase
  • Earn $1 on average per survey you complete
  • Over 10 different ways to earn money
  • Pays by gift cards, PayPal & travel miles

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. 


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 cash back. 

So, if you are primarily interested in shopping cash back, 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. 

Is Fluz Worth It?

Fluz is a relatively new app, but it does show impressive potential. Although the network is quite small compared to other cash back platforms, there is a chance that this will increase over time as Fluz further develops its reputation. 

You can earn up to 35% cash back 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 a 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 cash back, it is certainly worth giving it a try.

Fluz App FAQ

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 cash back rate on your full purchase. 

Is the Fluz App safe?

Fluz is a legit cash back 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. You are not required to purchase anything or make any investments to join. 

Fluz App review

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