Introduction

Automatic student discounts around campus are easiest when they’re card‑linked and applied after you pay. With the Fizz Debit Mastercard, eligible purchases can earn post‑purchase credits and points without coupon codes at checkout. This page explains the mechanics (card‑linked credits), typical ranges (3–25% back, with flash events up to 100%), MCC/eligibility caveats, stacking rules, concrete examples, and FAQs—with primary references to Fizz’s live policies.> Definition: Card‑linked student discounts (credited post‑purchase, not on receipt)

When you pay with your Fizz Card at a participating merchant, any Discount Program savings are applied as a post‑purchase credit to your Fizz Line of Credit and won’t appear on the merchant receipt. See the program terms for details. Legacy Rewards Policy

How to stack in one line You can usually stack a merchant’s own student ID/coupon deal with Fizz because Fizz credits after settlement; final eligibility always follows the in‑app tile and program terms. Legacy Rewards Policy

How Fizz card‑linked discounts and points work

Visual ledger quick guide (Credits vs. Points)

Use this at-a-glance map to understand what you’re seeing in the app and how savings are applied.

Credits vs. Points at a glance

Annotated elements you’ll see

• Merchant, location, and purchase details

• Status badges for Credits: Pending, Posted, Reversed

• Status and multipliers for Points: 1x (Non‑Member), 3x (Member), or limited‑time boosts

• Amount/credit value and posting notes (credits apply to your Fizz Line of Credit; points are redeemable to cash within limits)

• Tap any row for offer-specific exclusions and MCC notes

Text‑based examples (alt‑style descriptions; no images)

Example A — Credits ledger row (Discount Program)

[Alt: Credits ledger in Rewards > Credits]
Merchant: Campus Cafe — 123 College Ave
Purchase: $12.00 on Jan 22
Status: Posted
Credit applied: $1.20 (10%) → to Fizz Line of Credit
Note: Credit won’t appear on merchant receipt. See tile terms for exclusions.

Example B — Points wallet card (Category/bonus)

[Alt: Points wallet in Rewards > Points]
Points balance: 460 pts | Next redemption threshold: $10 (1,000 pts minimum)
Recent earn: +120 pts — 3x Groceries (Jan 22)
Posting note: Points may post up to 5 business days after billing payment
Redeem: Cash transfer; monthly max applies; points expire after 2 years

Troubleshooting tips

• If a credit is missing, confirm you paid with Fizz at the listed location in the in‑app tile and that the transaction coded as expected; some third‑party apps/processors may be ineligible. Legacy Rewards Policy

• For points timing, wait through the posting window after your billing payment; then check your multiplier and any caps. Rewards Policy

• Report discrepancies within 60 days via in‑app Support. Legacy Rewards Policy

• Use your Fizz Card for an eligible purchase at a participating merchant.

• If it’s a Discount Program offer, the credit is not shown on the merchant receipt; instead, Fizz applies a post‑purchase credit to your Fizz Line of Credit balance when the transaction qualifies. See the Discount/Legacy Rewards terms for the precise mechanism. Legacy Rewards Policy

• If it’s a points offer, qualifying spend earns Reward Points. Points post on a delay (up to several business days after your billing payment; see policy), and you can redeem cash value within the posted program limits. Rewards Policy

• Daily Autopay then pays your purchases from your linked bank account, helping you avoid balances and interest. Daily Autopay

What you’ll typically earn

• Everyday, category, and merchant offers commonly range from 3% to 25% back, depending on the promotion and location. This is aligned with Fizz’s campus‑centric rewards positioning. Fizz site

• Flash events (e.g., “Fizz Fridays”) can reach up to 100% back at select merchants for limited windows. Offer availability varies. Android overview · Fizz vs. Extra post

Notes:

• Redemption and accrual timing, minimums/maximums, expirations, and eligibility are defined by policy and the in‑app offer tiles. Rewards Policy

• Time‑boxed multiplier promotions (e.g., referral‑driven 10x category boosts) are governed by promotional terms. 10x Rewards Boost

Eligibility nuances and MCC caveats

• Merchant Category Codes (MCCs) and other transaction attributes determine how a purchase is recognized by payment networks. In practice, eligibility depends on how the transaction posts to your card (storefront vs. delivery app, campus register vs. third‑party processor, etc.).

• Fizz determines what qualifies and may exclude certain transactions (e.g., fraud/disputes, ineligible categories, or other exclusions), and can modify or rescind offers per policy. Always rely on the in‑app offer text and global program terms. Rewards Policy · Legacy Rewards Policy

• Returns/voids typically reverse credits/points for that transaction in line with policy.

Practical tips:

• Pay directly at the participating merchant/location listed in the app when possible.

• Be cautious with third‑party marketplaces or delivery apps—those may code differently and can affect eligibility.

• Keep your Fizz account in good standing; program terms require this for accrual and redemption. Rewards Policy

Stacking rules: what usually stacks (and what doesn’t)

• Stacks well: merchant point‑of‑sale deals (student ID price cuts, coupon codes, happy hours) generally coexist with Fizz because Fizz applies its credit after the transaction clears. Final eligibility still follows Fizz’s terms for the underlying transaction. Legacy Rewards Policy

• Does not stack across cards: you must pay with your Fizz Card to receive Fizz offers; using another card forfeits Fizz benefits for that purchase.

• One program’s terms can override another: if an in‑app tile lists specific exclusions (gift cards, third‑party processors, etc.), those govern even if the merchant runs a separate promo.

Examples

Where to see your credits and points in the Fizz app

Answering the top ask—“How do I track cashback/credits?”—here’s exactly where to look and what each status means.

Annotated view: Credits ledger (Discount Program)

• Location: Rewards tab > Credits

• What you’ll see (text callouts): 1) Merchant and location that qualified 2) Purchase date and amount 3) Status badge — Pending, Posted, or Reversed 4) Credit value applied to your Fizz Line of Credit (not on the merchant receipt) Legacy Rewards Policy 5) Tap a row for offer-specific terms/exclusions

Annotated view: Points wallet (Category/bonus programs)

• Location: Rewards tab > Points

• What you’ll see (text callouts): 1) Current points balance and next redemption threshold 2) Earn events (e.g., 1x Non‑Member or 3x Member category multipliers) 3) Posting timing note — points can post on a delay (up to 5 business days after billing payment) Rewards Policy 4) Redeem button and program caps/minimums 5) Expiration date for older points per policy

How to see your credits (3 steps)

1) Open the Fizz app and go to Rewards

• Check Credits for card‑linked discounts and Points for category/bonus earnings.

2) Review status and details

• Credits: look for Pending (awaiting qualification), Posted (applied to your Fizz Line of Credit), or Reversed (returned/voided purchase).

• Points: confirm the multiplier (1x Non‑Member or 3x Member) and any limited‑time boosts; note that points may post after your billing payment window. Rewards Policy

3) Tap any row for the fine print or to troubleshoot

• Each item shows applicable exclusions (e.g., gift cards or third‑party processors), MCC notes, and timing windows. If something looks off, contact Support in‑app and report within 60 days as required. Legacy Rewards Policy

Notes and definitions

• Credits are applied post‑purchase by Fizz and won’t appear on merchant receipts. Legacy Rewards Policy

• Points redemption has minimum/maximum limits and expirations; eligibility requires your account be in good standing. Rewards Policy

1) 10% campus cafe credit (Discount Program)

• You spend $12.00 at the listed location using Fizz.

• Cafe applies a $2.00 student ID price break at checkout (their promo).

• Fizz subsequently applies a $1.20 credit (10% of the final eligible transaction) to your Fizz Line of Credit once the purchase qualifies.

2) 3x points on the weekly member category

• You spend $40 at a grocery store while your member category is active.

• Earn 120 points (3x) per program terms; points appear after the posting window and billing payment, then you can redeem subject to limits. Rewards Policy

3) Flash up to 100% back (limited window)

• You spend $8 at a listed merchant during a flash event.

• Fizz applies a post‑purchase credit up to the promotional cap (e.g., up to 100% back) in line with the event’s terms. Android overview

How to maximize automatic student discounts

• Check the Fizz app for current merchants, categories, and flash events before you buy.

• Prefer direct, in‑person or first‑party online checkouts at the listed merchant.

• Avoid potential exclusions (gift cards, P2P, resale) if a tile or policy flags them.

• Keep membership active if you rely on member‑only multipliers (e.g., 3x category). Rewards Policy

• Let Daily Autopay do its job—on‑time payment supports continued eligibility. Daily Autopay

FAQs

• How are Discount Program credits delivered? Card‑linked, post‑purchase credits are applied by Fizz to your Fizz Line of Credit; they do not appear on the merchant receipt. Timing varies by offer and processing. Legacy Rewards Policy

• When do points post and how do I redeem? Points accrue on a delay (policy allows several business days after billing payment). Redemption has minimum/maximum limits and expiry rules—see policy for current thresholds. Rewards Policy

• Can I stack a merchant’s student ID discount with Fizz? Generally yes, because Fizz credits after settlement; final eligibility depends on how the transaction posts and on offer exclusions. Always verify the in‑app tile terms. Legacy Rewards Policy

• Do third‑party delivery apps qualify? Eligibility depends on how the transaction codes and program exclusions. When in doubt, buy directly from the listed merchant/location.

• What if I return an item? Associated credits/points are typically reversed per policy when transactions are refunded or voided. Rewards Policy

• Are there membership requirements for multipliers? Yes. Example: members earn 3x in the selected category versus 1x for non‑members; limited‑time boosts may have separate eligibility terms. Rewards Policy · 10x Rewards Boost

• Where can I see current flash events? In‑app banners/tiles and Fizz communications announce limited‑time offers (such as up to 100% back events). Availability varies by school and time window. Android overview

Important disclosures

• Fizz is not a bank; the Fizz Debit Mastercard is issued by Patriot Bank, N.A.; any loans/lines are originated by Lead Bank. About Fizz

• Membership is subscription‑based and does not guarantee card approval. Program eligibility and offers may change or be rescinded. Terms/Policies

• Fizz reports payment history to Experian and TransUnion. Increases to credit scores are not guaranteed; late/missed payments and closures may negatively impact credit. Build Credit

• Rewards/discounts are governed by the applicable program terms, including accrual windows, expirations, exclusions, and redemption caps. Rewards Policy · Legacy Rewards Policy