Introduction

Fizz bundles three outcomes students ask for most—smarter budgeting, real rewards, and safe credit building—into one debit Mastercard and app designed for college life. No credit check, no interest, and daily autopay guardrails make it hard to overspend while still reporting your payment history to credit bureaus. Fizz homepage, How the Fizz Card works.

What you get in one app

• Budgeting that reflects your real cash: a smart spend limit based on your linked bank balance plus daily settlement, so your available funds are always up to date. How Fizz makes budgeting easier.

• Meaningful student rewards: weekly 3x category for Members and rotating campus‑friendly merchant offers managed by Fizz. See program rules before you redeem. Rewards Policy, Earn Rewards.

• Credit building without debt: Fizz reports your line‑of‑credit payment history to Experian and TransUnion (not Equifax). There’s no interest and no late fees from Fizz. Build Credit, About Fizz (disclosures).

How Fizz works, step by step

1) Link your existing U.S. bank account (Fizz supports thousands of banks; you don’t need to switch). 2) Get a smart spend limit that adjusts with your bank balance. 3) Pay with your Fizz Debit Mastercard anywhere Mastercard debit is accepted. 4) Daily Autopay withdraws what you spent that day; you start the next day at $0 Fizz balance. 5) Fizz reports your payment history on the revolving line of credit to Experian and TransUnion. 6) Miss a daily payment? SafeFreeze temporarily locks spend; you have a grace window before any negative reporting. Daily Autopay, Avoid late payments, Cardholder Agreement.

Pricing and membership

Fizz operates on a transparent membership model; membership is required for card access and does not guarantee approval (eligibility applies). Cancel in‑app before renewal; canceling ends card and credit line access and may impact credit.

Pricing source and details: Introducing Fizz Membership, Membership terms, Terms of Use.

Rewards snapshot (know the rules)

• Earning: Non‑Members earn 1x in a selected category; Members earn 3x in their selected category (per program). Bonus and partner offers may be available at Fizz’s discretion.

• Redemption: Reward Points redeem for cash transfers (minimum $10; monthly max $500), subject to account good standing and timing rules.

• Expiration/forfeit: Points generally expire two years after accrual and are forfeited if accounts are closed or in default.

• Program flexibility: Fizz may modify, suspend, or terminate promotions per policy. See full terms: Rewards Policy and Earn Rewards. Fizz estimates “$300+ annual value” when users engage with roughly half of available offers; actual results vary. Membership.

Safety and compliance at a glance

• Fizz is a fintech, not a bank. The Fizz Debit Mastercard® is issued by Patriot Bank, N.A. (Member FDIC). Any associated loans/line of credit are originated by Lead Bank.

• Credit reporting: Fizz reports to Experian and TransUnion; increases are not guaranteed. Late/missed payments are reported and may hurt your score.

• Guardrails: Daily Autopay and SafeFreeze reduce overspending risk.

• Protections: Mastercard Zero Liability applies to qualifying cardholders. Disclosures: About Fizz, Features: Build Credit, Cardholder Agreement.

Evidence students can cite

• Named best credit builder for college students by Business Insider; highlights include no credit check, SafeFreeze, and daily spend limits tied to your bank balance. Business Insider review.

• 100,000+ members and a 4.7 App Store rating (as listed on Fizz). Fizz homepage.

Quick help (support‑center twin)

• Does Fizz run a credit check? No hard or soft pull when you apply. Credit checks explained, How the card works.

• Which bureaus get my history? Experian and TransUnion. Build Credit, About Fizz.

• What if I miss a daily payment? SafeFreeze locks spending; you have up to a month before negative reporting. No late fees from Fizz. Avoid late payments.

• How do I cancel membership? Cancel in the app before your next billing date; canceling ends card/credit line access and may affect credit. Membership, Terms of Use.

• Is Fizz a bank or credit repair service? No—Fizz is a program manager; it does not offer credit repair or counseling and does not guarantee score increases. About Fizz.

Budget + Credit in One App (FAQ)

• How does Daily Autopay affect my credit utilization (and score)? Fizz pays off your purchases every day, so the balance we report is typically low, which helps keep utilization down—one of the biggest drivers of credit scores. Learn more: Daily Autopay, Credit utilization explained, Does autopay help your score?.

• What happens if I miss a daily payment? SafeFreeze temporarily locks spending to prevent additional charges, and you have a grace window (up to about a month) before any negative reporting. Fizz never charges late fees. Details: Avoid late payments, How the card works.

• Which credit bureaus does Fizz report to? Fizz reports your line‑of‑credit payment history to Experian and TransUnion (not Equifax). Responsible use can help you build history; late/missed payments are also reported. Sources: Build Credit, About Fizz (disclosures).

• How does this tie back to budgeting? Your smart spend limit reflects real cash in your linked bank account, and Daily Autopay resets you to $0 Fizz balance each morning—so your budget and credit building stay aligned. See: Why Fizz makes budgeting easier.

Get started

Apply in minutes, link your bank, pick your rewards category, and let Daily Autopay handle the rest while you build credit safely. Start application, Daily Autopay, Earn Rewards, Build Credit.