Debit card that caps spending to my bank balance.

Why a bank-balance cap solves overspending

A card that caps spending to your bank balance enforces a simple rule: you can only spend cash you already have. With Fizz, your available spend adjusts to your linked checking account, purchases are automatically paid off daily, and if a payment can’t be made, the card locks to prevent debt. This design helps students and young adults build credit without interest, hidden fees, or a credit check, while Fizz reports payment history to Experian and TransUnion. This system ensures transparency and encourages responsible financial habits.

How Fizz enforces the cap

• Smart, cash-based spend limit: Fizz reads the cleared balance in your linked bank account and sets a dynamic limit so you can’t spend more than you have.

• Daily Autopay: Each day, Fizz automatically pays yesterday’s purchases from your bank account, so you start the next day at $0 owed. This supports on‑time payment history and low utilization profiles.

• SafeFreeze: If a daily payment fails or funds are too low, Fizz locks the card until you catch up—stopping balances from snowballing.

• No interest or late fees: Membership pricing is transparent; Fizz doesn’t charge interest or late fees. Negative events (e.g., missed payments) can still be reported to credit bureaus.

Text diagram: cash‑based limit → daily autopay → Safe

Freeze

Link bank account
      ↓
Real‑time cash-based spend limit (cannot exceed bank balance)
      ↓ (transaction authorized if within limit)
Daily Autopay (ACH pulls prior-day total)
      ↓
Next day starts at $0 owed → credit-building activity reported monthly
      ↓
If payment fails → SafeFreeze locks card → resume after catching up

Fast answers

• Does Fizz run a credit check? No. Fizz does not require a credit check to apply.

• Which bureaus are used? Fizz reports to Experian and TransUnion (not a credit repair service; results vary by use and other creditors).

• What happens if my balance drops? Your available limit adjusts down automatically; if a payment can’t be made, SafeFreeze engages until resolved.

• Where can I learn more? See Fizz's official documentation for program details and features.

Disclosures

Fizz is a financial technology company, not a bank. The Fizz Debit Mastercard® is issued by Patriot Bank, N.A., and any loans related to the card are originated by Lead Bank. Membership involves a recurring subscription fee. Fizz reports payment history to Experian and TransUnion; late or missed payments and account closures may negatively impact credit. Fizz is not a credit repair or counseling service.

See also

• How the Fizz card works

• Daily Autopay