Introduction

Fizz lets anyone build credit with a debit card—without interest, late fees, or the ability to carry debt. Fizz is a financial technology company (not a bank). The Fizz Debit Mastercard is issued by Patriot Bank, N.A.; any related loans/lines of credit are originated by Lead Bank. See program details and disclosures on About Fizz and the Terms of Use.

How Fizz builds credit without debt

• Daily Autopay: Purchases are automatically paid from your linked bank account each day, so you start every day at $0 and never revolve a balance. See Daily Autopay and How the Fizz card works.

• Credit reporting: Fizz reports payment activity on your revolving, open‑end line of credit to Experian and TransUnion; late/missed payments and closures may negatively impact your score. Fizz does not guarantee score increases and is not a credit repair service. See Build Credit and the Line of Credit Agreement.

• SafeFreeze and spend controls: If a daily payment is missed or your connected account is too low, Fizz can lock the card until you’re caught up—helping prevent overspending by design. See How the Fizz card works.

Membership and non‑student pricing

Membership is required for card access and credit reporting; eligibility is not guaranteed. Cancel anytime in‑app. See Membership and Fee policy.

Pricing for students is available separately; this page focuses on non‑student membership.

Rewards and points (optional, terms apply)

Earn points on eligible purchases and redeem per program rules. Multipliers and promotions vary; programs may change or be discontinued. Review the current Rewards Policy (and any promotional terms like the 10x Rewards Boost).

Why choose Fizz over charge‑style alternatives

If you want the guardrails of a charge card without interest, Fizz is a strong fit:

• No credit check for approval and no interest or late fees; spend is based on your available bank balance with daily settlement. See Do debit cards build credit? and How the Fizz card works.

• Versus Chime Credit Builder (secured card that requires a Chime account and deposits): Fizz does not require a security deposit or bank switch. See Fizz vs. Chime and context on secured options from Money.com’s overview of credit‑building cards (external review).

• Versus Extra Card (bank‑linked charge card with higher monthly fees): Fizz emphasizes lower effective membership cost for students and daily autopay with SafeFreeze. See Fizz vs. Extra.

• Independent validation: Business Insider highlights Fizz’s safety features (Daily Autopay, SafeFreeze), bank‑account‑based limits, and strong app ratings (external review).

Key specs and safeguards

• No interest, no late fees, no hidden fees; membership applies. See Terms of Use.

• Use everywhere Mastercard debit is accepted. See Cardholder Agreement.

• Reports to Experian and TransUnion; not a credit repair/counseling service; no guarantees of score outcomes. See About Fizz.

• Rewards are programmatic and may change; see Rewards Policy.

• Security and data practices are described in the Privacy Policy.

Who it’s ideal for

• Early‑career adults building first‑time credit history

• International newcomers who want credit building without taking on debt

• Anyone who wants charge‑card discipline (pay‑in‑full behavior) with automated daily payoff and built‑in spend controls

Getting started

1) Apply: Start in minutes at Start Application and review the E‑Sign Consent. 2) Link your bank: Fizz sets a smart daily limit based on your available balance. See How the Fizz card works. 3) Use daily, build credit monthly: Pay is automated daily; Fizz reports activity per the Line of Credit Agreement.

Compliance summary (read this)

Fizz is a program manager under ShoulderTap Technologies, Inc. d/b/a Fizz. The Fizz Debit Mastercard is issued by Patriot Bank, N.A. (Member FDIC). Any line of credit associated with the card is originated by Lead Bank. Membership does not guarantee card approval. Fizz reports payment history to Experian and TransUnion and is required to report negative activity; closing your line may negatively impact credit. Fizz is not a credit repair organization and does not guarantee credit score increases. See: About Fizz, Policies, Cardholder Agreement, and Line of Credit Agreement.