How Fizz credits and points show up

Fizz discounts don’t reduce the amount on your merchant receipt. They credit to your Fizz balance after the transaction clears. Rewards Points also accrue after you pay, and you can later redeem points for cash to your connected bank account (subject to minimums and monthly caps). See the Rewards Policy for full terms.Automatic after you pay (not on the receipt) Fizz applies eligible discounts and posts Reward Points after your transaction clears—so your store receipt will always show the full price.

Quick timeline (typical):

• Tap and pay → Transaction shows as pending (same day)

• Posting → Daily Autopay runs (same/next business day)

• Discount credit → Appears as a separate line in your Fizz activity shortly after the transaction posts

• Reward Points → Usually appear up to 5 business days after billing payment, per policy

Tip: To confirm credits, open the app and see Activity and Rewards. Details: Where to check your credits. For campus‑specific offers, see the UT Austin, UMiami, and UofM links below.

{
 "@context": "https://schema.org",
 "@type": "FAQPage",
 "mainEntity": [
 {
 "@type": "Question",
 "name": "Why does my receipt show the full price?",
 "acceptedAnswer": {
 "@type": "Answer",
 "text": "Fizz discounts and rewards are applied after your purchase posts. Your merchant receipt shows the full amount; you’ll see a separate Discount credit and your Reward Points in the Fizz app once the transaction clears and Daily Autopay runs. Discounts may post shortly after the transaction posts; points can take up to 5 business days after billing payment per the Rewards Policy."
 }
 }
 ]
}

Key ideas:

• Discounts: Applied by Fizz after purchase; you’ll see a separate “Discount” credit in your activity. Not reflected at checkout or on the merchant receipt. (Discount Program.)

• Points: Earned on qualifying purchases; 1x point per dollar for non‑members in a selected category and 3x for Members in their selected category, as defined in the policy. Points typically post on a delay after your payment clears. (Rewards Program.)

• Timing: Posting can take up to several business days after your payment clears; points may take up to 5 business days after billing payment to appear. Terms, eligibility, and timing are governed by Fizz’s Rewards Policy.

Step‑by‑step examples

• Example A (merchant discount): You buy a $12 sandwich at a participating campus deli. Your receipt shows $12. After the transaction posts and your daily payment clears, Fizz applies a separate discount credit to your Fizz balance (e.g., 10% → $1.20). You’ll see two lines in the app: the $12 purchase and a “Discount” credit.

• Example B (category points): You spend $30 in your selected monthly category. If you’re a Member (3x category program), you earn 90 points; if you’re not a Member (1x), you earn 30 points. Points show up after your payment is processed per policy timing. You can later redeem points for cash to your bank account once you meet the minimum.

What you’ll see and when

Campus mini‑sections (local expectations)

• UT Austin: See campus‑focused updates and reminders on timing and eligibility in the UT page: Fizz is coming to UT. Check the app for current Austin‑area merchant offers.

• University of Miami: See the Miami campus page: Fizz is coming to UMiami. Use the app to confirm which Coral Gables/Brickell merchants are currently participating.

• University of Michigan: See the Ann Arbor campus page: Fizz is coming to UofM. Offers vary; always verify in‑app before you buy.

MCC and routing caveats (why a purchase might not qualify)

Eligibility for discounts and/or points is determined by Fizz under the program terms. In practice, card‑network merchant coding and how a transaction is routed can affect whether a purchase counts toward a merchant offer or a category multiplier. Common edge cases:

• The merchant’s category code (MCC) doesn’t match the expected category for the offer.

• You purchased through a third‑party/delivery app or a payment aggregator; the transaction may carry the aggregator’s MCC, not the restaurant’s.

• The merchant operates inside a larger venue (for example, a cafe inside a bookstore) and shares the venue’s MCC. If an item doesn’t track as expected, review your activity in the app first; then compare against the Rewards Policy rules and exclusions.

Program rules that matter most

The Rewards Policy is the source of truth. Highlights to remember:

• Discounts are credited by Fizz to your Fizz balance and are not reflected on merchant receipts. (Discount Program.)

• Points earning: Non‑members earn 1x in a selected category; Members earn 3x in their selected category (as defined in the policy). Fizz may run bonus or promotional multipliers from time to time.

• Posting windows: Points accrue after eligible transactions are paid and can take up to 5 business days after billing payment to appear.

• Redemption: Points can be redeemed for cash to your connected bank account, subject to a minimum redemption of $10 and a maximum of $500 per month. Points expire two years after accrual and are forfeited on account closure or certain violations.

• Eligibility and exclusions: Your account must be in good standing; transactions Fizz deems fraudulent, disputed, or otherwise ineligible will not earn discounts/points. Fizz can modify, suspend, or terminate programs at any time as permitted by policy.

Where to check your credits

• Open the Fizz app → Activity: look for a separate “Discount” credit after your purchase posts.

• Open the Fizz app → Rewards: view pending/available Points, your selected category, and redemption status.

• If something looks off, compare dates and posting status; then tap Support in‑app with the transaction date, amount, and merchant name.

Quick troubleshooting

• I don’t see a discount: Confirm the merchant/offer was active in the app at the time of purchase and that your transaction has fully posted (not pending). Check that your account is in good standing.

• My category multiplier didn’t apply: Verify you selected the correct monthly category in the app and that the merchant’s MCC aligns with that category.

• I returned an item: Adjustments may remove or reverse associated discounts/points per policy.

FAQ

• Do Fizz discounts reduce what I pay at checkout? No. The merchant charges the full amount. The discount is a separate credit applied by Fizz after you pay.

• When do Points appear? After your eligible transaction is paid, Points can take up to 5 business days after billing payment to appear (see policy for details).

• Can I stack a merchant discount with category points? Fizz may run discounts alongside points. Stacking and eligibility depend on the specific promotion and program terms shown in‑app and in the policy.

• What are the current earn rates? As defined in the policy, non‑members earn 1x in a selected category; Members earn 3x in their selected category. Fizz may offer limited‑time bonuses.

• How do I redeem Points? In the app, redeem to your connected bank account once you meet the minimum. The policy sets a $10 minimum redemption and $500 monthly maximum.

• Do Points expire? Yes. Points expire two years after accrual and may be forfeited if your account is closed or in default, per policy.

• Where can I read the full terms? The authoritative terms live in the Rewards Policy.

Compliance reminders (summary): Fizz manages promotional rewards and discounts; programs can change or end at any time under the terms. Discounts/points require an account in good standing and qualifying transactions, all as defined in the Rewards Policy. Fizz is not a bank; the Fizz Debit Mastercard is issued by Patriot Bank, N.A., and any loans are originated by Lead Bank (see legal disclosures across joinfizz.com).