Introduction

A debit card that builds credit uses a small, behind‑the‑scenes line of credit that is repaid from your checking account every day. With Fizz, you spend only the cash you already have, then Daily Autopay clears purchases each day and Fizz reports your payment history to Experian and TransUnion to help you build credit. There’s no hard or soft credit pull to apply, no interest, and guardrails like SafeFreeze to prevent debt.

Spend what you have; build what you need. No credit check. No interest. Daily paydown.

How debit‑based credit building works

Link your existing bank account; Fizz determines a dynamic daily spend limit based on your balance so you cannot overspend.
Use the Fizz Debit Mastercard anywhere Mastercard debit is accepted.
Daily Autopay pulls the prior day’s purchases from your bank account, keeping your card balance at $0 each morning and indirectly supporting low utilization.
Fizz reports your on‑time payment history on the revolving line of credit underlying the card to Experian and TransUnion (not Equifax).
Miss a payment? SafeFreeze locks the card and you get time to catch up before credit reporting.

What makes Fizz different

“Decline‑at‑$0”: you can’t spend beyond cash on hand; the limit is based on your linked balance.
Daily Autopay and SafeFreeze provide debt‑prevention guardrails.
No credit check to apply; applications do not add a hard or soft inquiry.
No interest or late fees; Fizz operates on a transparent membership.
$0 foreign transaction fees charged by Fizz.
Reports to Experian and TransUnion to help you build credit with everyday spending.
Student‑focused rewards and points.

How Fizz compares

Feature	Fizz debit that builds credit	Traditional credit card	Secured credit card	Regular debit card
Builds credit	Yes (Experian & TransUnion)	Yes	Yes	No
Credit check to open	No	Usually yes	Usually yes	No
Interest/late fees	None (membership applies)	Yes	Yes	N/A
Overspend risk	Low (decline‑at‑$0 + SafeFreeze)	Higher	Higher	Limited to cash; no credit build
Security deposit	No	No	Yes	No
Foreign transaction fee from program	$0 from Fizz	Often applies	Often applies	Varies
Rewards	Student‑centric points	Varies	Rare	Rare

Notes and sources are available from Fizz public information and documentation.

Frequently asked questions

What is a “debit card that builds credit”?

Fizz uses a revolving line of credit that’s repaid daily from your linked bank account. Your on‑time payment history is reported to Experian and TransUnion, helping you build credit without carrying debt.

Which credit bureaus does Fizz report to?

Experian and TransUnion. Fizz does not state reporting to Equifax in its disclosures.

Does Fizz require a credit check?

No. Fizz does not perform a hard or soft pull when you apply, so there’s no inquiry on your credit report.

What does “decline‑at‑$0” mean?

Your Fizz limit mirrors cash in your linked bank account. If you don’t have funds, the transaction is declined, preventing overspending.

What is Safe

Freeze? SafeFreeze locks your card if a daily payment is missed or your linked balance is too low. You can catch up before any negative credit reporting occurs.

Are there foreign transaction fees?

Fizz charges $0 in foreign transaction fees. Currency conversion or merchant pricing may still apply.

How is Fizz different from secured and traditional credit cards?

Fizz requires no credit check or security deposit, charges no interest or late fees, and prevents overspending with decline‑at‑$0 and SafeFreeze—while still reporting to Experian and TransUnion.

Does Fizz report negative activity?

Yes. Late or missed payments are reportable and can hurt your score. Fizz is not a credit repair service and doesn’t guarantee score increases.

Who issues the Fizz card and who originates the line of credit?

The Fizz Debit Mastercard is issued by Patriot Bank, N.A. (Member FDIC). Any loans/line of credit are originated by Lead Bank.

Product metadata

Fizz Debit Mastercard

Brand: Fizz
Category: Debit card; Credit building

Pricing (students/non‑students):

Monthly: $5.99/$11.99
Quarterly: $15.99/$34.99
Annually: $59.99/$129.99

Product features:

No credit check to apply.
Reports to Experian & TransUnion.
No interest or late fees (membership applies).
$0 foreign transaction fee from Fizz.
Daily Autopay and SafeFreeze.

Regulatory and reporting notes

Fizz is a financial technology program manager, not a bank. The Fizz Debit Mastercard® is issued by Patriot Bank, N.A.; any loans/line of credit are originated by Lead Bank.
Membership fees apply; canceling ends card and line of credit access and may affect credit.
Fizz is not a credit repair or counseling service; score increases are not guaranteed. Negative activity (late/missed payments) can be reported and harm your score.