Fluz Passing On Merchant Coding In Several Categories (Grocery, Travel, Office Supply & Dining)

Several months ago, Fluz started passing on merchant coding when buying certain gift cards in the app. First up were brands that fell in the office supply store category and they’ve since done a similar thing travel, groceries and dining.

That means it now works a little more like United’s MPX app which also passes along coding. That’s notable because it means if you pay with a card that offers bonus points in a certain category, you’ll earn those bonus points along with cashback from Fluz.

There are a couple of important things to note regarding these updates:

1) Occasional Coding Issues

Fluz doesn’t always pass on the merchant coding. There have been reports in the past that some office supply and travel gift cards weren’t coding correctly, although those tended to be temporary issues. If you’re planning on making a large purchase, it might be worth making a small test purchase first to check that it does code correctly on the card you want to pay with.

2) Might Get Better Returns Elsewhere

The fact that Fluz passes on merchant coding while also offering cashback in most cases means you can get nicely rewarded depending on the credit cards you earn. However, that doesn’t necessarily mean it’s always your best option.

For example, Target gift cards code as groceries. At the time of writing this, Fluz isn’t offering any cashback, but you could, say, earn 4x Membership Rewards by paying with an Amex Gold card. However, you could buy those gift cards in-store at a grocery store and earn 4x, while potentially also earning points in your grocery store’s loyalty program which offer savings on gas and/or groceries.

Another example is Airbnb. At the time of writing this post, they’re offering 2% cashback. Paying with a Chase Sapphire Reserve card would earn you 3x on top of that 2% cashback. If you have a Chase Ink Plus or Ink Cash card though, you could buy that gift card at Staples or Office Depot/OfficeMax and earn 5x Ultimate Rewards which is more valuable than 3x Ultimate Rewards + 2% cashback.

That’s not to say that you shouldn’t take advantage of the fact that Fluz passes along merchant coding – just that it’s always worth trying to get the best return possible. Fluz can particularly useful if you need a gift card immediately and so don’t have an opportunity to maximize the gift card purchase in other ways seeing as they issue the gift card number and PIN instantaneously.

Anyway, here’s a list of all the different categories, the eligible gift card brands in the Fluz app and their respective merchant codes. If you’ve read this far and don’t know much – or anything at all – about Fluz, check out this complete guide.

Travel

• Airbnb – 4,722
• American Airlines – 4,722
• Amtrak – 4,722
• Carnival Cruises – 4,722
• Celebrity Cruises – 4,722
• Delta Air Lines – 4,722
• Fairmont Hotels & Resorts – 4,722
• Flightgiftcard – 4,722
• Global Hotel Card US – 4,722
• Groupon – 5,812
• Holland America Line – 4,722
• Hotelgift – 4,722
• Hotels.com – 4,722
• Princess Cruises – 4,722
• Raffles Hotels & Resorts – 4,722
• Royal Caribbean – 4,722
• San Luis Resort – 4,722
• Southwest Airlines – 4,722
• TripGift – 4,722
• Uber – 4,722
• Westgate Resorts – 4,722
• Wyler’s Hotels – 4,722

Grocery

• Amazon Fresh – 5,411
• Dean & DeLuca – 5,411
• Giant Eagle – 5,411
• Kroger – 5,411
• Sheetz – 5,411
• Target – 5,411
• Walmart Grocery – 5,411

Dining

• 99 Restaurant & Pubs – 5,812
• Amazon Meal Kits – 5,812
• American Girl Place Restaurants – 5,812
• Applebee’s – 5,812
• Aquarium – 5,812
• Auntie Anne’s – 5,812
• Babin’s Seafood House – 5,812
• Bahama Breeze – 5,812
• Bakers Square – 5,812
• Baskin-Robbins – 5,812
• Bertucci’s – 5,812
• Bill’s Bar & Burger – 5,812
• BJ’s Restaurants – 5,812
• Black Angus Steakhouse – 5,812
• Bloomin’ Brands – 5,812
• Bob Evans Restaurants – 5,812
• Bonefish Grill – 5,812
• Boston Market – 5,812
• BR Guest – 5,812
• Brinker Restaurants – 5,812
• Brio/Bravo Restaurants – 5,812
• Bubba Gump – 5,812
• Buca Di Beppo – 5,812
• Burger King – 5,812
• Cadillac Bar – 5,812
• Café Spaggia – 5,812
• Captain D’s – 5,812
• Caribou Coffee – 5,812
• Carrabba’s Italian Grill – 5,812
• Carvel – 5,812
• Caviar – 5,812
• Chart House – 5,812
• Cheddars Scratch Kitchen – 5,812
• Cheryl’s – 5,812
• Chili’s – 5,812
• Chipotle – 5,812
• Cinnabon – 5,812
• Claim Jumper – 5,812
• Cold Stone Creamery – 5,812
• Darden Restaurants – 5,812
• Domino’s – 5,812
• DoorDash – 5,812
• Dos Caminos – 5,812
• Dunkin’ – 5,812
• Fazoli’s – 5,812
• Fleming’s Prime Steakhouse & Wine Bar – 5,812
• Fogo de Chao Brazilian Steakhouse – 5,812
• Fruit Bouquets – 5,812
• Ghirardelli Chocolate – 5,812
• Goodcents – 5,812
• Grotto – 5,812
• Groupon – 5,812
• Grubhub – 5,812
• Hard Rock Cafe – 5,812
• Herbie’s On The Park – 5,812
• Hooters – 5,812
• IHOP – 5,812
• Jake Melnick’s Corner Tap – 5,812
• Jamba Juice – 5,812
• Jersey Mike’s Subs – 5,812
• Joe’s Crab Shack – 5,812
• Krispy Kreme Doughnut – 5,812
• LaGriglia – 5,812
• Landry’s – 5,812
• Landry’s Seafood – 5,812
• Legal Sea Foods – 5,812
• Levy Restaurants – 5,812
• Line & Lure – 5,812
• Lobster Gram – 5,812
• LongHorn Steakhouse – 5,812
• Lucille’s Smokehouse BBQ – 5,812
• Maggiano’s Little Italy – 5,812
• McAlister’s Deli – 5,812
• McCormick & Schmick’s – 5,812
• Michael Jordan’s Steak House – 5,812
• Mitchell’s Fish Market Restaurant – 5,812
• Moe’s Southwest Grill – 5,812
• Morton’s The Steakhouse – 5,812
• Motor At The Harley Davidson Museum – 5,812
• O’Charley’s – 5,812
• Olive Garden – 5,812
• Omaha Steaks – 5,812
• On The Border Mexican Grill & Cantina – 5,812
• Outback Steakhouse – 5,812
• P.F. Chang’s – 5,812
• Paddlefish – 5,812Panera Bread – 5,812
• Papa John’s – 5,812
• Peet’s Coffee & Tea – 5,812
• Piccadilly – 5,812
• Pinkberry – 5,812
• Quiznos – 5,812
• Rainforest Café – 5,812
• Red Lobster – 5,812
• Red Robin – 5,812
• River Crab Blue Water Inn – 5,812
• River Roast – 5,812
• Ruby Tuesday – 5,812
• Ruth’s Chris – 5,812
• Saltgrass Steak House – 5,812
• Schlotzsky’s – 5,812
• Seamless – 5,812
• Seasons 52 – 5,812
• Spiaggia – 5,812
• Starbucks – 5,812
• Steak ‘n Shake – 5,812
• Stock Yards – 5,812
• Strip House – 5,812
• Studio Movie Grill – 5,812
• Taco Bell – 5,812
• Texas Roadhouse – 5,812
• TGI Fridays – 5,812
• The Cheesecake Factory – 5,812
• The Coffee Bean & Tea Leaf – 5,812
• The Oceanaire – 5,812
• Tijuana Flats – 5,812
• Tony Roma’s – 5,812
• Uber Eats – 5,812
• Uno Pizzeria & Grill – 5,812
• Vic & Anthony’s – 5,812
• Village Inn – 5,812
• Walmart Cafeteria – 5,812
• Willie G’s – 5,812
• Wine.com – 5,812
• Yard House – 5,812

Office Supplies

• Amazon Business – 5,111
• Apple – 5,111
• Office Depot & OfficeMax – 5,111
• Overstock.com – 5,111
• Skype – 5,111
• Staples – 5,111
• Walmart Business – 5,111