Curious if cashback apps like Fluz can actually help stretch a budget? This real-world example shows how $100 can go a long way when shopping smartly at retailers like Ulta Beauty, Target, and Amazon—all while earning rewards through gift card stacking, loyalty programs, and cashback tools.
With a little planning, shoppers can unlock extra value without changing their favorite stores or buying habits. Here’s exactly how to make the most of $100 using Fluz and other savings strategies.
Where to Shop
1. Ulta Beauty – skincare, makeup, and beauty tools
2. Target – home goods, bath items, and seasonal picks
3. Amazon – household tools and kitchen upgrades
Step 1: Buy Digital Gift Cards Through Fluz
Before checking out, savvy shoppers should open the Fluz app, search for the store, and purchase a gift card for the amount they plan to spend. The gift cards are delivered instantly and can be used online or in-store.
Example cashback earnings:
• $40 Ulta gift card → 6% cashback = $2.40
• $40 Target gift card → 2.5% cashback = $1.00
• $20 Amazon gift card → 1.5% cashback = $0.30
Total Fluz cashback: $3.70
Step 2: What $100 Can Buy
Ulta Beauty – $40
Shoppers taking advantage of the Ulta 21 Days of Beauty sale can score:
• The Ordinary Niacinamide 10% + Zinc 1% – $6
• Tarte Maneater Mascara (50% off) – $12
• Mario Badescu Facial Spray – $7
• e.l.f. Holy Hydration Cleansing Balm – $11
• Ulta 3-piece Travel Brush Set (clearance) – $4
Bonus: Earn 80 Ultamate Rewards points (~$3 value)
Target – $40
During a Buy 3, Get 1 Free bath promotion, consider these additions:
• Threshold Waffle Bath Towel (2) – $10 each
• Everspring Hand Soap (2) – $2.99 each
• Hearth & Hand Candle – $14.99
• Room Essentials Throw Blanket – $8
Bonus: Use a 5% Target Circle discount
Target Circle rewards earned: $1.20
Amazon – $20
A practical mini-haul for kitchen or home use might include:
• Milk Frother – $12.99
• Silicone Utensil Rest – $6.99
Cashback Tip: Shop through Rakuten for an extra 1% cashback ($0.20)
Total Spend and Rewards Breakdown
| Store | Spend | Fluz Cashback | Loyalty/Promo Value | Effective Cost |
| Ulta | $40 | $2.40 | ~$3 (points) | ~$34.60 |
| Target | $40 | $1.00 | ~$1.20 (Circle) | ~$36.00 |
| Amazon | $20 | $0.30 | $0.20 (Rakuten) | ~$19.50 |
Total Spend: $100
Total Earned in Rewards/Cashback: ~$9.90
Effective Spend After Savings: ~$90.10
How to Replicate the Haul
To recreate this type of budget-friendly, high-reward shopping trip:
1. Download Fluz or head to fluz.app
2. Search for Ulta, Target, Amazon, or other favorite stores
3. Buy a gift card for the planned spending amount
4. Use the card at checkout and earn cashback instantly
5. Stack loyalty rewards, coupons, and sales for maximum value
