Fluz Review [2024]: Earn Cash Back for Shopping (and Networking)

Fluz may not make you rich, but this cashback service offers enough to compete with other well-known shopping apps.
Updated April 3, 2023
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If you want to earn money on purchases with your favorite retailers, it’s easy and free to get started with cashback apps. These types of apps typically provide different ways to pad your wallet, whether it’s by earning cash back on purchases you already make or finding valuable shopping discounts. Fluz provides similar benefits, but it takes a unique approach to how it earns you money.

In this Fluz review, you’ll learn what Fluz is, how it works, and how much cash back it can potentially earn for you. This will help you understand whether this cashback app is the right fit for you.

In this Fluz review

What is Fluz?

Fluz is a legit mobile app (available on iOS and Android devices) that’s free to download and use. It was originally created by Maurice Harary and Stefan Krautwald in 2016 and tested in Colombia, where its focus was selling and managing digital gift cards. After seeing initial success, the pilot program website (Fluz Fluz Colombia) was sold and the Fluz app was launched in the U.S. market.

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

One way to earn money on Fluz, other than earning cash back on purchases, is being able to earn cash back when members of your network use Fluz to buy things. So if you refer friends to Fluz and they end up using it, you can earn passive income from their purchases.

When Fluz was first launched, it had more than 30,000 users in the first 100 days — and it’s only grown from there.

How does Fluz work?

Some cashback apps and budgeting services provide cash back when you scan shopping receipts or purchase certain items. But Fluz works a bit differently.

Building on its history with digital gift cards, Fluz actually sells you gift card codes to loads of popular retailers. Here’s a partial list of partner retailers:

  • Adidas
  • Amazon
  • Burger King
  • Chipotle
  • CVS
  • Domino’s
  • Hulu
  • Netflix
  • Nike
  • Spotify
  • Starbucks
  • Walmart

You earn cash back for buying any of the available gift card codes through Fluz, and then you can use the code to make a purchase at an applicable store.

Let’s say you want to make an online purchase from Nike. You would pick the items you want on the Nike website and add them to your cart. Then you would get to the point in the checkout process where you see the total amount you owe, including taxes, fees, and shipping costs.

You could then head to the Fluz app and plug in the exact amount you just figured out and buy a Nike gift card code. You would earn cash back for buying the gift card code, and then you could use the gift card for your Nike purchase — which essentially means you’d earn cash back for shopping at Nike.

Even better, Fluz lets you use credit cards to buy gift cards through its app. This is effectively a way to double dip your rewards (also called stacking rewards) — because you can earn credit card rewards and cash back through Fluz at the same time.

What really sets Fluz apart from other shopping apps, though, is its unique networking model. As a Fluz member, you can build a network of up to 65,635 people. Each time a person in your network makes a purchase, you can earn a percentage of their cash back. With a network of several thousand people, you have the potential to earn a lot of cash back. The app also offers special bonuses for building your network, some of which are worth thousands of dollars. (More on networking and bonuses in a moment.)

Who can use Fluz?

Anyone 18 or older who has a compatible smartphone and eligible method of payment can use Fluz. You can download the Fluz app on iOS and Android devices through the App Store or Google Play, which means Apple iPhones, Samsung Galaxy phones, and Google Pixel phones should all be compatible.

To use Fluz, you need to be able to buy digital gift cards through the Fluz app. So you’ll need to link an eligible method of payment, which would typically be a credit card or debit card. You can also link a bank account, PayPal account, or Apple Pay account.

Fluz could be a good fit for anyone who wants to earn cash back on purchases they’re already making or anyone with a large social media following. It’s especially useful for people who like to shop online, though you would have to add an extra step to your shopping routine — which would be buying a gift card through Fluz and then using that gift card to make your online purchase. However, the potential rewards will likely be worth that extra step.

How much cash back can you earn with Fluz?

Learning how to make money with Fluz is fairly simple and straightforward. If you’re ready to make a purchase with a Fluz retail partner, buy a gift card from Fluz and then use that gift card to make your purchase. You’ll earn cash back from Fluz, as well as credit card rewards (if you used a rewards card) for buying the gift card.

Overall, you can’t expect to get rich using this method, as it’s simply a way to effectively get a discount on purchases you’re already making. For example, you might earn 3% cash back for buying a $100 Uber Eats gift card — which would be $3. It’s not much, but it is a small discount.

Earn big by networking with Fluz

If you want to boost your earning potential, it’s a good idea to network as much as possible. It’s not unheard of for Fluz users to earn thousands of dollars from networking in the app, some in a little over a month.

Fluz offers two options to help build your network: its auto-fill feature and direct invites. With auto-fill, the Fluz algorithm automatically adds new users to your network when they join through Fluz advertising campaigns. But the best way to build your network is to share your referral link with friends and family because you can earn special bonuses by doing so. Your unique invite link can be found in the app and then shared with your friends in a way that’s convenient for you — whether by email, text message, social media, or another method.

Networking is important for three reasons:

  1. You can earn vouchers when you invite friends to join Fluz. Vouchers can be used to offer up to 35% cash back (on the first $10) at certain stores.
  2. You earn a percentage of cashback rewards whenever each person in your network purchases a Fluz gift card code. You also earn a percentage of cash back when people they invite purchase Fluz gift card codes, too.
  3. Adding to your network can help you hit Fluz milestones and bonuses. For example, the Leader Bonus gives you $180 for inviting five friends that pay at least once using a Fluz gift card code and then inviting 10 friends that pay at least once on Fluz. Certain bonuses can net you $1,800 or more if you complete them.

Since you can have up to 65,635 people in your network, there’s the potential to earn a lot of cash back, especially if you’re connected with several frequent Fluz shoppers. Additionally, the bonuses can make Fluz a lucrative side hustle if done correctly. For more side hustle ideas, check out our list of the best side hustles.

How to withdraw money from Fluz

Fluz offers multiple ways to redeem your cash back, including for digital gift cards. But if you want actual cash, these withdrawal options are available:

  • Bank account deposit
  • PayPal transfer
  • Venmo transfer
  • Transfer to a virtual debit card

Keep in mind that you’ll need to first hit the payout threshold of $26 before you can access your cash back. This is a one-time requirement.

Common questions about Fluz

Is Fluz legit?

Fluz is a legitimate app used by tens of thousands of Fluz members for the purpose of earning cash back on certain purchases. This could include ordering food on Uber Eats, buying movie tickets from AMC, or shopping on Amazon. Fluz partners with loads of stores and retailers to give people plenty of opportunities to earn rewards and save money on their purchases.

What is Fluz used for?

Fluz is an app designed to help people earn rewards on their purchases with certain retailers. If you’re planning to make a purchase at a retailer that Fluz partners with, such as Amazon or Airbnb, you can use Fluz to earn cash back on your purchases. Fluz members can also earn cash back when others in their network purchase gift card codes through Fluz.

How does Fluz make money?

Fluz gets paid by retailers and merchants whenever it sends a customer their way. This means there’s no cost for Fluz users to sign up or use the Fluz app.

Which merchants does Fluz partner with?

Fluz partners with hundreds of merchants, so likely some of your favorite stores. Its partners include popular retailers like GameStop, Spotify, Hulu, DoorDash, Uber, Domino’s, Adidas, CVS, Netflix, Burger King, Papa John’s, Chipotle, Amazon, Starbucks, Walmart, and more.

How to get started with Fluz

Getting started with Fluz is simple, though you will need a mobile device capable of downloading and using the mobile app. Fluz is currently available on iOS and Android devices.

Follow this three-step sign-up process to get started:

  1. Download Fluz through the App Store or Google Play
  2. Create a Fluz account
  3. Start using Fluz

Keep in mind that you’ll have to connect a payment method, such as a bank account, debit card, credit card, PayPal account, or Apple Pay, in order to purchase gift cards through Fluz. If you want to withdraw your cash back (not as a gift card), you’ll also need to connect an eligible account, including a bank account, PayPal account, Venmo account, or initiate a transfer to a virtual debit card.

Other money apps to consider

Fluz offers a lot of potential with its take on earning cash back. But it might not be right for everyone. For other cashback options, consider Ibotta and MyPoints.

Ibotta is a cashback app that rewards you for your online and in-store purchases. This could include buying groceries, ordering food, or shopping at loads of online retailers. Ibotta typically rewards you for different actions, including submitting shopping receipts, buying gift cards, and linking loyalty accounts to your Ibotta account.

For more details on how Ibotta works, read our full Ibotta review.

MyPoints is an app that rewards you for shopping at online stores and completing online surveys. MyPoints works with thousands of retailers to offer different sales, coupons, and promotions. As you use MyPoints while shopping, you’ll earn rewards points on your purchases that can be redeemed for gift cards or transfers to a PayPal account.

For more details on how MyPoints works, read our full MyPoints review.

Author Details

Ben Walker, CEPF, CFEI® Ben Walker, CEPF, CFEI®, is credit cards specialist. For over a decade, he's leveraged credit card points and miles to travel the world. His expertise extends to other areas of personal finance — including loans, insurance, investing, and real estate — and you can find his insights on The Washington Post, Debt.com, Yahoo! Finance, and Fox Business.