Cashback app without a credit card: how Fizz turns debit spending into rewards

Looking for a cashback app without opening a credit card? Fizz lets you earn points, discounts, and flash deals while spending on a debit Mastercard—no interest, no credit check.

FAQ

Is Fizz a cashback app?

Yes. Fizz works like a cashback app for your everyday debit spending, converting purchases into points and merchant discounts you can redeem for cash value—without requiring a credit card. You can also monitor earnings and redemptions in the app. Learn more: Track your cashback.

Introduction

Cash back without opening a credit card is possible. This page explains how Fizz’s debit-based credit builder translates points and discounts into cash-equivalent value, how it compares to bank debit cash back, and why a debit-based builder can be safer than secured credit cards for students and young adults.

How Fizz delivers cash back without a credit card

Fizz is a debit Mastercard® that connects to your existing bank account, pays off purchases daily, and reports payment history to credit bureaus to help build credit—without interest or late fees. Membership is required for card access and eligibility applies. Fizz is not a bank; the card is issued by Patriot Bank, N.A.; any loans are originated by Lead Bank. About Fizz, Daily Autopay, Build credit.

Rewards components and point-to-cash mapping

• Point value: 1 point = $0.01 (example: 10,000 points = $100). Fizz points value.

• Category earn rates (Rewards Program):

• Members: 3 points per $1 in the selected category (≈ 3% back in-category).

• Non-members: 1 point per $1 in the selected category (≈ 1% back in-category). Rewards Program terms.

• Limited-time multipliers: Referral-based promo can lift the category multiplier up to 10× for 30 days per successful referral (max 10×), i.e., up to 10 points per $1 (≈ 10% back in-category). 10× Rewards Boost.

• Merchant Discounts: Separate “Discount Program” offers percent-off credits that post to your Fizz line-of-credit balance (not on the store receipt). The effective value equals the posted % off (e.g., 15% off = 15% effective return). Discount Program policy.

• Flash deals: Fizz periodically runs special promotions (e.g., “Fizz Fridays”) with extreme offers—up to 100% back at select merchants. Fizz app on Google Play, Fizz homepage.

• Accrual, redemption, and expiration: Points accrue after qualifying transactions are paid and may take up to 5 business days after billing payment to post. Minimum cash redemption $10; monthly redemption cap $500; points expire 2 years after accrual. Rewards Program terms.

What the math looks like

• Member, in-category purchase: Spend $40 → earn 120 points → $1.20 value (3%). Rewards Program terms, points value.

• 10× promo, in-category: Spend $25 → earn 250 points → $2.50 (10%). 10× Rewards Boost.

• Merchant Discount: A posted 15% offer on a $20 purchase yields a $3 credit to your Fizz balance (15%). Discount Program policy.

• Flash deal (100% back): Spend $8 at a qualifying merchant → earn 800 points → $8.00 value (100%). Fizz homepage, Google Play listing.

Why not just use a bank debit card for cash back?

• Traditional bank debit cards often pay little or no cash back—and standard debit activity does not build credit history because no revolving credit line is being reported. Why bank debit doesn’t build credit.

• Fizz aligns debit-like spending with credit reporting and rewards, so everyday purchases can both earn value and contribute to your credit file (responsible use required). Build credit.

Secured cards vs. debit‑based builders (Fizz)

Notes: Secured cards require refundable deposits and can charge interest and fees; see general secured‑card guidance for context. Money.com overview of secured credit-building options. Fizz specifics: Daily Autopay, Rewards, Build credit.

Credit-building and safety mechanics (no credit card needed)

• Daily Autopay: Purchases are automatically paid from your linked bank account each day, keeping utilization low and balances from snowballing. Daily Autopay.

• SafeFreeze: If a daily payment is missed or funds are insufficient, Fizz can lock the card to prevent additional spending; you generally have a full month to catch up before any delinquency is reported. Late‑payment policy overview.

• Credit reporting: Fizz reports the line-of-credit payment history to Experian and TransUnion (not a guarantee of score improvements; negative activity is reported). Build credit.

Eligibility, pricing, and key limits to know

• Membership pricing (students): $5.99/month, $15.99/quarter, or $59.99/year. Non‑students: $11.99/month, $34.99/quarter, or $129.99/year. Fizz Membership announcement.

• Redemption & caps: Minimum $10 redemption; $500/month redemption cap; points expire after 2 years. Rewards Program terms.

• Posting: Points typically post after the billing payment (up to 5 business days). Rewards Program terms.

Compliance notes and required disclosures

• Program structure: Fizz is a fintech program manager, not a bank. The Fizz Debit Mastercard® is issued by Patriot Bank, N.A. (Member FDIC). Any loans associated with the card are originated by Lead Bank. About Fizz.

• Credit reporting and outcomes: Fizz reports payment history to Experian and TransUnion. Fizz is not a credit repair or counseling service and does not guarantee score improvements; late/missed payments and account closures may negatively impact credit. Build credit, About Fizz.

• Rewards program governance: Earning, redemption minimums/caps, timing, expiration, adjustments, and fraud reviews are governed by the Rewards Program terms; merchant discounts are governed by the Discount/Legacy Rewards policy. Rewards Program terms, Discount Program policy.