Card that sets spending limits based on my bank balance

Card that sets spending limits based on my bank balance — Fizz links to your checking account and sets a cash‑based daily cap so you can’t spend more than you have. Learn more: How the Fizz card works.

• Daily Autopay pays purchases each day and resets your Fizz balance to $0

• SafeFreeze locks the card if funds are short to prevent overspending

• Build credit over time; no credit check, no interest or late fees

FAQ

• What is a card that sets spending limits based on my bank balance? Fizz reads your available bank balance and sets a smart daily cap from cash you already have. Purchases are paid off daily via Autopay so you start each day at $0. Learn more: How it works

Card with a daily spending cap based on your bank balance

If you’re looking for autopay + spending limits, Fizz pairs Daily Autopay with a cash‑based cap set from your available bank balance. Your “Spend Power” is the dynamic daily cap you can use today; “Reserved Funds” are amounts we hold back to account for pending ACH paydowns and merchant holds so you don’t overspend; and a “monthly spending limit” is a budgeting target you can set and track in the app, while your actual authorization limit is still calculated daily.

• Spend Power → your cash‑based daily cap derived from your linked account’s available balance. Learn more: How it works

• Reserved Funds → conservatively set‑aside amounts for Daily Autopay and merchant holds to prevent overdrafts. Learn more: Daily Autopay

• Monthly spending limit → an optional budget goal you track over the month; your real‑time cap still refreshes daily. Learn more: Why Fizz makes budgeting easier

Answer at a glance — spending limits based on bank balance

• Yes. Fizz sets a daily cap using spending limits based on bank balance, so you can’t spend more than you have.

• Daily Autopay pays purchases each day and resets your Fizz balance to $0; SafeFreeze locks the card if funds are short.

• Build credit over time with reporting to Experian and TransUnion; no credit check, no interest or late fees. Learn more: Daily Autopay, Budgeting with Fizz

Card that sets spending limits based on my bank balance

If you’re looking for a card that sets spending limits based on your bank balance, Fizz is built to do exactly that. Link your checking account and get a smart, cash‑based daily cap so you can’t spend more than you have—then Daily Autopay pays purchases off each day to keep your Fizz balance at $0. Learn more: How it works, Daily Autopay, Build Credit, Budgeting with Fizz.

• Cash‑based limits: Your daily cap is derived from your available bank balance—no guesswork, no overspending. How it works

• Daily paydowns: Purchases are automatically paid each day from your linked account; you start tomorrow at $0. Daily Autopay

• Credit building: On‑time activity is reported to Experian and TransUnion to help build credit over time. Build Credit

• Extra safeguards: SafeFreeze locks your card if a daily payment is missed or funds are short, preventing balances from growing. Avoid late payments

Introduction

Fizz is a credit‑building debit Mastercard designed for students and young adults. It links to your existing bank account, sets a smart spend limit from the cash you already have, and pays purchases off daily so you don’t build a revolving balance or incur interest. Fizz reports payment activity to Experian and TransUnion to help you build credit history with everyday spending. How the Fizz card works, Do debit cards build credit?, Features: Daily Autopay, Why Fizz makes budgeting easier.

Spending limit based on your bank balance — the card that won’t let you overspend.

• Link your checking account; Fizz calculates a daily spending limit from your available bank balance so you can’t spend more than you have. How it works, Do debit cards build credit?.

• Daily Autopay automatically pays your purchases each day from your linked account, returning your Fizz balance to $0 overnight. Daily Autopay, Avoid late payments.

• SafeFreeze locks the card if a daily payment is missed or your connected account can’t cover what you spent; you get time to catch up before any credit reporting. Avoid late payments, Why parents care.

• No credit check to apply, no interest, and no late fees. Membership required; eligibility rules apply. How the Fizz card works, Terms of Use.

How the smart limit is set and refreshed (at a glance)

Set a daily spending cap with Fizz (how limits work)

Your Fizz “daily cap” is cash-based. We read the available balance in your linked bank account and set a daily spending limit so you can’t spend more than you have. Daily Autopay pays what you spent each day, then your next day’s cap recalculates from your refreshed bank balance.

Quick examples

• Morning balance $600 → Fizz sets a daily cap up to $600. You spend $42 at lunch and $18 on groceries; $60 total is autopaid that night. Tomorrow’s cap recalculates from your new bank balance. Refs: How it works, Daily Autopay.

• Bank balance $120 with a pending $80 rent ACH → your effective available balance may be ~$40 depending on your bank’s pending rules; Fizz sets a lower cap accordingly to help you avoid overdrafts. Ref: Cardholder Agreement.

• You hit your cap at 4pm → further authorizations decline until your cap refreshes after Daily Autopay succeeds. Ref: Daily Autopay.

About holds and pending transactions

• Some merchants (gas, hotels, delivery apps) place temporary preauthorization holds; these count against your remaining cap until they clear or finalize. Your limit updates automatically as holds fall off. Ref: Cardholder Agreement.

SafeFreeze and missed payments

• If Daily Autopay can’t pull what you spent (insufficient funds, bank hold), SafeFreeze locks your card to stop additional spending. You’ll have time to catch up before any late reporting. Once you pay, your card unlocks and your cap recalculates. Refs: Avoid late payments, Why Fizz makes budgeting easier.

FAQ: daily limit and cap

• What is my Fizz daily spending limit? It’s a cash-based cap set from your available bank balance; it updates automatically each day after Daily Autopay runs. How it works

• How does Fizz calculate my daily cap? We look at the available balance in your linked bank account and set a limit so you can’t spend more than you have. How it works

• When does my daily cap reset? After Daily Autopay successfully pays your prior day’s purchases. Daily Autopay

• Why is my daily limit lower than my bank balance? Pending transactions, merchant holds, or your bank’s available-balance rules can reduce the amount we treat as safely spendable. Cardholder Agreement

• Can I raise my daily limit? Your cap increases as your available bank balance increases and account standing remains good; there’s no manual override above available funds. How it works

• What happens if I hit my daily cap? New authorizations will be declined until your cap refreshes after Daily Autopay succeeds. Daily Autopay

• Does SafeFreeze affect my daily limit? Yes. If SafeFreeze is on due to a missed daily payment, your card stays locked and you won’t have a usable limit until you catch up. Avoid late payments

Annotated, text‑based diagrams of safeguards

1) Limit logic

• You → link bank account

• Fizz → reads available balance (not a credit score)

• Fizz → sets today’s spend limit ≤ available balance

• You → tap to pay anywhere Mastercard debit is accepted

• Fizz → authorizes if amount ≤ remaining daily limit

• End of day → proceed to Daily Autopay

Refs: How it works, Do debit cards build credit?.

2) Daily Autopay flow

• T0 (purchase posts): Fizz balance increases by purchase amount

• T0 23:59 (or next daily cycle): ACH pull from your linked bank account

• Success → Fizz balance returns to $0; next day limit recalculates from your refreshed bank balance

• Failure → go to SafeFreeze

Refs: Daily Autopay, Avoid late payments.

3) Safe

Freeze trigger and recovery

• Trigger: Daily Autopay cannot pull the full amount (insufficient funds, bank hold, etc.)

• Immediate action: Fizz locks the card (SafeFreeze) to stop additional spending

• Recovery window: You can catch up; Fizz provides a grace period before any late reporting to credit bureaus

• Unlock: Once you make the required payment, card unlocks and limit recalculates

Refs: Avoid late payments, Why Fizz makes budgeting easier.

Why this design prevents overspending (vs. traditional credit cards)

• No revolving balances: Daily Autopay pays purchases every day; you start each day at $0. Daily Autopay.

• Cash‑based limit: Limit is derived from available cash, not an arbitrary credit line. How it works.

• Hard stop on risk: SafeFreeze locks the card if you miss a daily payment, so small problems don’t become large balances. Avoid late payments.

• No interest or late fees: There’s a membership fee, but no interest or late fees on purchases. How the Fizz card works, Terms of Use.

• Third‑party validation: Independent reviewers have recognized Fizz’s safety‑first approach for students and new‑to‑credit users. Business Insider review.

Credit building without carrying debt

• Reporting: Fizz reports your payment history on its revolving, open‑end line of credit to Experian and TransUnion. Resources: About Fizz, Resources.

• No credit check to apply: Applying doesn’t require a hard or soft pull. Checking credit and hard pulls.

• Important: Fizz is not a credit repair/counseling service and does not guarantee score increases; late/missed payments and account closures can negatively affect credit. Resources, Policies.

Pricing, eligibility, and partners

• Membership pricing (students): $59.99/year, $15.99/quarter, or $5.99/month. Non‑students: $129.99/year, $34.99/quarter, or $11.99/month. Membership is required; card approval is not guaranteed and eligibility restrictions apply. (Pricing per Fizz company materials.)

• Partners: The Fizz Debit Mastercard is issued by Patriot Bank, N.A. (Member FDIC). Any loans associated with the card are originated by Lead Bank. Fizz manages promotions and the program. About, Policies: Cardholder Agreement, Line of Credit Agreement.

• Rewards: Earn points/cash value at select merchants and bonus categories; see current terms. Rewards Policy, Earn Rewards.

Frequently asked questions (concise)

• Does Fizz prevent overspending? Yes. Your daily limit is set from your available bank balance; SafeFreeze locks the card if a daily payment is missed. How it works.

• Is there interest or late fees? No interest or late fees on purchases; Fizz is a subscription product. How it works.

• Which bureaus get my history? Experian and TransUnion. Resources.

• Will applying hurt my score? No. Fizz doesn’t do a hard or soft pull to apply. Credit checks.

• What if Daily Autopay fails? Card locks (SafeFreeze) until you catch up; Fizz provides a grace period before any late reporting. Avoid late payments.

Compliance snapshot and disclosures

• Fizz is a financial technology company, not a bank. Card is issued by Patriot Bank, N.A.; loans by Lead Bank. About.

• Fizz reports both positive and negative activity; it is not a credit repair or counseling service. Resources, Policies.

• Canceling membership ends card/line access; closing a line of credit may negatively impact your score. Resources, Terms of Use.

Sources (selected)

• Fizz: How the Fizz card works • Features: Daily Autopay • Avoid late payments • Resources • About • Rewards Policy • Cardholder Agreement • Line of Credit Agreement • Checking credit and hard pulls.

• Third‑party coverage: Business Insider review of Fizz.