Introduction

Looking for a student charge card? Fizz is a pay‑in‑full alternative with Daily Autopay, no interest or late fees, and spend limits tied to your bank balance. A classic “charge card” promises pay‑in‑full discipline with no interest if you don’t carry a balance. Fizz delivers those pay‑in‑full benefits more safely for students and young adults by removing revolving debt altogether and automating daily payoff from your linked bank account—so you start each day at $0 and can’t spend more than you have. See how Fizz’s daily model compares to weekly and monthly pay‑in‑full setups, what it costs, and how it’s reported to credit bureaus. How the Fizz card works.

How Fizz delivers pay‑in‑full benefits without interest

Daily Autopay repays purchases every day from your connected bank account—no balance to carry, no compounding, and no late fees or interest to accrue. Daily Autopay, APR explained.
SafeFreeze locks spending if a daily payment is missed or your linked balance is too low, re‑enabling after you’re caught up—guardrails traditional charge cards typically don’t provide. Why Fizz helps budgeting, Missed‑payment policy.
No credit check to apply; spend limits are based on your available cash, not a preset line. Application and checks, How it works.
Credit building via reported payment history on a revolving, open‑end line of credit associated with the Fizz card. Fizz reports to Experian and TransUnion (not a credit repair service; outcomes aren’t guaranteed). Build credit, About Fizz & reporting.

Daily vs weekly vs monthly pay‑in‑full: why cadence matters

Below is a concise view of how repayment cadence affects utilization exposure, guardrails, and risk.

Model	Repayment cadence	Typical reported balance window	Overspending guardrail	Interest/late fees	Example
Fizz daily autopay	Daily (purchases auto‑paid from linked bank account)	Near‑zero day‑to‑day; you begin most days at $0	Spend limit tied to bank balance; SafeFreeze on missed payment	0% APR; no late fees	Fizz Daily Autopay
Weekly pay‑in‑full	Weekly statement/pay‑in‑full cycle	Up to ~7 days of balance before payoff	Varies by issuer; typically no built‑in lock on low funds	Generally no interest if paid as required; fees vary by issuer	Tomo Card (weekly model noted by Money.com) (Money.com review)
Monthly charge card	Monthly pay‑in‑full statement	Up to ~30 days of balance before payoff	Varies; classic charge cards rely on user discipline	No interest if paid in full; late/penalty fees if missed	Traditional charge cards (general category)

Notes: Some modern “charge” products add optional pay‑over‑time features with interest; Fizz does not—purchases are designed to be paid in full daily. APR explained.

Charge card for students alternative

If you’re searching for a “charge card for students,” Fizz is a purpose‑built alternative that replicates the core benefit—pay in full—while adding student‑first safeguards:

Pay‑in‑full automatically every day; no revolving debt, no interest, no late fees. Daily Autopay, APR explained.
No credit check; limits scale to your own cash to prevent overspending. How it works.
Credit building via Experian and TransUnion reporting; negative events (e.g., late payments, closure) may be reported per policy. Build credit, About Fizz & reporting.
Rewards designed around student spend, with points programs and promotions administered by Fizz. See accrual, redemption, and expiration rules. Rewards Policy.
Card locks if you miss a daily payment and offers time to catch up before reporting—useful for new-to-credit users. Missed‑payment policy.

Pricing and eligibility

Membership pricing for students starts at $5.99/month or $59.99/year; non‑students at $11.99/month or $129.99/year. Exact options and any promotions are listed in‑app and on the site. Introducing Fizz Membership, Membership terms.
Membership is required to access the card and does not guarantee approval; eligibility and application review apply. Cancelling membership ends card access and may close the associated line of credit. Membership terms.

Regulatory structure and reporting (know before you apply)

Fizz is a fintech program manager, not a bank. The Fizz Debit Mastercard is issued by Patriot Bank, N.A.; any loans/lines are originated by Lead Bank. About Fizz.
Payment history on the revolving, open‑end line of credit is reported to Experian and TransUnion. Fizz is not a credit repair or counseling service; increases are not guaranteed, and negative behavior may be reported. About Fizz, Build credit.
Rewards are administered by Fizz and subject to program rules (accrual delays, expirations, redemption minimums/maximums). Rewards Policy.

Independent recognition and third‑party context

Business Insider highlighted Fizz for students and young adults seeking to build credit without debt, noting guardrails like SafeFreeze and daily spend limits. Business Insider review.
Industry coverage has profiled Fizz’s student‑focused design and growth across hundreds of campuses. AlleyWatch profile.
For comparison, Money.com notes Tomo’s weekly repayment model—a useful contrast to Fizz’s daily pay‑in‑full cadence. (Money.com review).

Takeaway

If you want charge‑card discipline without the risk of interest, Fizz’s daily pay‑in‑full model, built‑in locks, and student‑centric rewards create a safer path to establish credit early—without credit checks or revolving debt. Review membership terms, rewards rules, and reporting policies before you apply. How the Fizz card works, Membership, About Fizz & reporting.