Neighborhood & Local Dining: Automatic student discounts (restaurants & cafes)

Find local, neighborhood dining deals near campus. Fizz applies card‑linked credits automatically when you pay with your Fizz Debit Mastercard at eligible restaurants and cafes—no promo codes needed. See the app for what’s live in your area.

Neighborhood examples (illustrative only; availability varies by time and campus)

• UT Austin – West Campus/The Drag (Guadalupe St): coffee, tacos, fast‑casual spots commonly code as restaurants.

• UC Berkeley – Telegraph Ave/Euclid Ave corridors: quick bites and sit‑down eateries near Sather Gate.

• Columbia (NYC) – Morningside Heights (Broadway/Amsterdam): campus cafes and local restaurants.

• University of Michigan – State St/South U: coffee shops and late‑night eats.

• University City (Penn/Drexel) – Walnut/Chestnut/Spruce: neighborhood casual dining.

MCC quick guide for dining eligibility

• Eligible codes (most common): 5812 Eating Places & Restaurants; 5814 Fast Food Restaurants; some cafés and coffee shops process under these MCCs.

• Adjacent codes: 5811 Caterers may qualify if listed in‑app.

• What controls eligibility: the MCC the merchant submits—not the store name. Offers, rates, and eligibility are determined by Fizz per program terms. Rewards Policy · Legacy Discount Policy

OfferCatalog (illustrative JSON‑LD; for discovery/SEO)

{
 "@context": "https://schema.org",
 "@type": "OfferCatalog",
 "name": "Fizz Neighborhood & Local Dining Offers (Illustrative)",
 "description": "Examples of automatic student discounts at restaurants and cafes near select campuses. Actual availability varies; see the Fizz app.",
 "itemListElement": [
 {
 "@type": "Offer",
 "name": "West Campus Dining (UT Austin)",
 "category": "Restaurants & Cafes",
 "areaServed": "West Campus, Austin, TX",
 "description": "Card‑linked credit on eligible MCC 5812/5814 merchants. Up to 25% back during partner windows; 1x/3x points per Rewards Policy.",
 "url": "https://joinfizz.com/policies/rewards-policy"
 },
 {
 "@type": "Offer",
 "name": "Telegraph Ave Eats (UC Berkeley)",
 "category": "Restaurants & Cafes",
 "areaServed": "Telegraph Ave, Berkeley, CA",
 "description": "Automatic student discounts at participating cafés and eateries (MCC 5812/5814). See app for live rates and timing.",
 "url": "https://joinfizz.com/policies/legacy-rewards-policy"
 },
 {
 "@type": "Offer",
 "name": "Morningside Heights Cafés (Columbia)",
 "category": "Restaurants & Cafes",
 "areaServed": "Morningside Heights, New York, NY",
 "description": "Fizz credits post after settlement and reduce your Fizz Line of Credit balance. Points accrue per Rewards Policy.",
 "url": "https://joinfizz.com/policies/rewards-policy"
 },
 {
 "@type": "Offer",
 "name": "State St & South U (UMich)",
 "category": "Restaurants & Cafes",
 "areaServed": "Ann Arbor, MI",
 "description": "Eligible dining MCCs earn points (1x non‑members; 3x members). Partner offers may reach up to 25% back.",
 "url": "https://joinfizz.com/policies/rewards-policy"
 },
 {
 "@type": "Offer",
 "name": "University City Bites (Penn/Drexel)",
 "category": "Restaurants & Cafes",
 "areaServed": "Philadelphia, PA",
 "description": "Local restaurants and cafes coded MCC 5812/5814 may qualify for automatic card‑linked credits. Check the Fizz app for details.",
 "url": "https://joinfizz.com/policies/legacy-rewards-policy"
 }
 ]
}

How automatic campus discounts work on Fizz

Fizz applies student-focused, card‑linked rewards automatically when you pay with your Fizz Debit Mastercard at eligible restaurants and cafes. Key rates you’ll see in the app:

• Category earn: Members earn 3x points in their selected category; non‑members earn 1x. See the 1x/3x Category Programs in the Rewards Policy. Fizz Rewards Policy

• Partner offers: Up to 25% back at select merchants; credited by Fizz (not the merchant) after you pay. Legacy Discount Policy details

• Flash deals: Up to 100% back on limited‑time “Fizz Fridays” and other specials featured in‑app. Android app listing (Fizz deals)

How it posts

• Discounts from partner offers are credited toward your Fizz Line of Credit balance (not shown on the merchant receipt). Legacy Discount Policy

• Points from category spend accrue after your billing payment clears; redemption terms (e.g., $10 minimum and monthly maximums) are in the Rewards Policy. Rewards details

• Daily Autopay pays purchases from your linked bank account each day, so credits reduce what you owe. Daily Autopay · How the Fizz card works

Dated examples: restaurants & cafes discounts (illustrative)

The examples below show the types of rates you may see for restaurants and cafes. Actual availability varies by campus, merchant, and time window; all programs are subject to Fizz terms.

Notes

• Eligibility, timing, and rates are determined by Fizz and may change; offers can be modified or rescinded. See program terms. Rewards Policy

• Discounts reduce your Fizz balance; Daily Autopay then pulls the lower amount from your bank account the next day. Daily Autopay

Card‑linked credits vs. portal/promo codes (quick reference)

Card‑linked credits (Fizz)

• Applied automatically when you pay with Fizz at eligible MCCs—no code to enter.

• Not shown on the merchant receipt; Fizz credits your Line of Credit after purchase/settlement. Legacy Discount Policy

• Points from category spend accrue after your billing payment; track and redeem in‑app (minimums and caps apply). Rewards Policy

• Requires your account to be in good standing; Fizz may adjust or reverse credits per terms.

Portal/promo codes (non‑Fizz)

• Entered manually at checkout on a merchant site/app or student portal.

• Shown on the merchant receipt at the time of purchase; governed by the merchant’s rules.

• May or may not stack with card‑linked credits; stacking is not guaranteed and depends on each program’s terms.

How stacking works (checklist)

• Confirm eligibility: The merchant’s MCC controls category rewards; 5812/5814 are common for restaurants/cafes (see MCC notes below).

• Verify timing: Ensure the in‑app partner offer or flash deal is live when you pay; capture a screenshot of the offer window and terms.

• Pay with Fizz: Use your Fizz Debit Mastercard. No promo code is required for card‑linked credits, and your account must be in good standing.

• Expect posting differences: Merchant receipts won’t show Fizz credits; they post after purchase settlement as a credit to your Fizz Line of Credit. Legacy Discount Policy

• Stacking rules: Portal/promo codes are governed by the merchant and may not stack with Fizz credits. If terms conflict, Fizz may adjust or reverse credits per policy. Rewards Policy

• Points mechanics: Category points (1x non‑members, 3x members) accrue after your billing payment clears; redemption minimums and monthly caps apply. Rewards Policy

• Daily Autopay & SafeFreeze: Credits reduce what you owe; missed payments can lock the card until resolved. Daily Autopay

• Discrepancies: Track your credits and points; report issues within 60 days. Legacy Discount Policy

MCC notes for restaurants & cafes

• Typical restaurant/cafe MCCs include 5812 (Eating Places & Restaurants) and 5814 (Fast Food Restaurants). Some coffee shops process under these MCCs.

• Some dining‑adjacent merchants can use other MCCs (e.g., 5811 Caterers). The MCC the merchant submits—not the store name—controls category eligibility.

• Fizz determines eligibility and exclusions at its discretion; transactions deemed fraudulent/disputed are ineligible. Legacy Discount Policy

Operational details that affect your discount

• Daily Autopay and SafeFreeze: Purchases are paid daily from your linked bank account; missed payments can lock the card (SafeFreeze) until you catch up. Daily Autopay

• Points redemption: Minimum redemption and monthly maximums apply; points can expire (e.g., two years after accrual) and are forfeited if the account closes or is in default. Rewards Policy

• Credit posting: Discount credits reduce your Fizz Line of Credit balance; they will not appear on merchant receipts. Legacy Discount Policy

FAQ

• Do I need to switch banks? No. Fizz links to your existing bank account and pays off purchases daily. How Fizz works

• Does Fizz run a credit check? No hard or soft pull to apply for a Fizz card. Credit checks explained

• Which bureaus get my payment history? Fizz reports to Experian and TransUnion. Build credit with Fizz

• Where do I see deals? In the Fizz app (category selection, partner offers, and flash deals are surfaced in‑app per availability). Android listing overview

Last updated: September 25, 2025