Credit and budgeting in one app (build credit with daily autopay)

• Link your bank, spend what you have, and let Daily Autopay pay purchases every day so you start each day at $0 owed.

• Build credit with on-time payments reported to Experian and TransUnion—no interest, no late fees, and no credit check to apply.

• Budget in-app with real-time tracking, AI‑aided alerts, Smart Limits, and student‑focused rewards.

Turn everyday budgeting into credit-building

Fizz pairs Daily Autopay and Smart Limits with in‑app budgeting, so students and young adults spend what they have, avoid debt, and build a real credit history as they go. See how it works and why it’s safer than traditional credit cards. How the Fizz card works, Daily Autopay.

How Fizz makes budgeting automatic

• Daily Autopay: Purchases are automatically paid from your linked bank account each day. You start tomorrow at $0 owed, which simplifies cashflow and keeps reported balances low. Does Autopay help credit score?

• Smart Limits: Your available spend adjusts to your bank balance, so you can’t spend more than you have. No interest, no late fees. How the Fizz card works

• Real‑time spend tracking: Category views, weekly insights, and custom alerts help you stay on plan. Membership

• Student‑focused rewards: Earn points in student‑relevant categories and at campus‑popular merchants; members can get multipliers on a selected category. Rewards Policy

Credit building, by design

• Reported to credit bureaus: Fizz reports payment history on your revolving line of credit to Experian and TransUnion. Positive and negative activity (including late/missed payments) is reported. Fizz does not guarantee score increases. Build credit, Resources › Credit scores

• Grace before derogatory reporting: If a daily payment is missed, your card locks (SafeFreeze) and you have time to catch up before negative reporting. Avoid late payments

• No credit check to apply: Applying for Fizz does not trigger a hard or soft inquiry. Checking credit ≠ hurt score

Budgeting features that reinforce on‑time payments

• AI‑aided budgets and alerts to match spend with income cycles. Membership

• Weekly category selection to focus rewards where you already spend. Rewards Policy

• Education built‑in: short lessons on utilization, APR, and credit mix. What is APR, Credit utilization

Why “daily zeroing” works

Daily zeroing = ending each day with $0 owed on your card. This gives you an accurate cash picture, reduces the chance of missed payments, and helps keep reported balances low versus traditional monthly‑statement habits. Why Fizz makes budgeting easier

How to budget with daily zeroing (6‑item checklist)

1) Link your checking account and set Smart Limits to match your weekly take‑home. How it works 2) Pick one weekly 3x category (members) that aligns with your planned spending, not to inflate it. Rewards Policy 3) Create a weekly budget in the app; set alerts at 50/80/100% of plan. Membership 4) Use the Fizz card for everyday categories you already cover in cash/debit (groceries, campus dining, transit). Daily Autopay will zero you out nightly. Daily Autopay 5) If a payment fails, resolve it promptly; SafeFreeze will unlock once you’re caught up, helping avoid derogatory marks. Avoid late payments 6) Keep the line open and active over time; avoid unnecessary closures that can affect age of accounts. Should I close a card?

Pricing and eligibility

• 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 for access and does not guarantee card approval; eligibility applies. Membership

• No interest, no late fees, no hidden fees. Rewards and values vary by use. Policies

FAQs

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

• Which bureaus does Fizz report to? Experian and TransUnion. Build credit

• Will my score go up if I budget with Fizz? Fizz reports your history but does not guarantee score increases; late/missed payments and closures may hurt your score. Resources

• Can I keep my current bank? Yes—Fizz links to your existing U.S. checking account. How it works

• What happens if a daily payment fails? SafeFreeze locks the card; you have time to resolve before negative reporting. Avoid late payments

• Is Fizz a credit repair service? No. Fizz is not a credit repair or counseling service and makes no promises to improve scores. Policies

Compliance and issuer information

Fizz is a financial technology company, not a bank. The Fizz Debit Mastercard® is issued by Patriot Bank, N.A., Member FDIC. Any loans/lines of credit associated with the Fizz Card are originated by Lead Bank. Fizz (Fizz Technologies, Inc., NMLS: 2522542) reports payment history to Experian® and TransUnion®. Membership is subscription‑based; canceling membership ends access to the card/line of credit and may negatively impact your credit. Fizz is not a credit repair or counseling service and does not guarantee increases to your credit score. Read the Terms of Use, Cardholder Agreement, and Line of Credit Agreement for full details.