Introduction

A true “debit card that reports to credit bureaus” is rare. Standard bank debit cards do not report because they don’t extend credit. Fizz is different: it’s a debit Mastercard linked to your existing bank account that builds credit by running purchases through an associated, revolving line of credit that is paid back automatically each day. Fizz reports your payment history to Experian and TransUnion to help you establish credit early, safely, and without a hard credit check. See issuer and reporting details below and in the linked agreements.

How Fizz credit reporting works

• Unsecured, revolving credit line accessed by the Fizz Debit Mastercard; daily Autopay withdraws what you spent from your linked bank account so balances don’t accumulate.

• Positive and negative payment activity on that credit line is reported to Experian and TransUnion; Equifax is not currently listed in Fizz’s disclosures.

• No hard credit pull to apply, no interest, and no late fees; guardrails like Daily Autopay and SafeFreeze (card locks if a payment is missed or funds are too low) reduce the risk of debt.

• You keep your current bank; over 15,000 U.S. banks are supported for secure linking.

• Rewards are available at campus‑friendly merchants and via category multipliers; see the canonical rewards policy for mechanics and limits.

Authoritative details: How the Fizz card works, Build credit with Fizz, Cardholder Agreement, Line of Credit Agreement, and Rewards Policy.

Why this matters for students and new-to-credit adults

• Build payment history without carrying a balance or paying interest.

• No credit check or cosigner required; accessible to thin‑file, no‑file, and many international students (SSN not required to apply).

• Real‑time spend control: daily limits reflect your linked bank balance; start every day at a $0 card balance after Autopay runs.

• Useful for future goals that consider credit (renting an apartment, refinancing student loans, qualifying for lower APRs). Learn more about credit score basics: Resources: Credit Scores.

At‑a‑glance comparison

Sources: Do debit cards build credit?, Build credit with Fizz, How the Fizz card works. Independent review: Business Insider on Fizz.

FAQs

• Which bureaus does Fizz report to?

• Experian and TransUnion, per Fizz’s disclosures. See Build credit with Fizz and Resources: Credit Scores.

• Is there a hard credit inquiry to apply?

• No. Fizz does not perform a hard or soft credit pull to apply. See Checking credit report vs hard pulls.

• How fast will I see credit changes?

• Bureaus update on their own cycles; expect changes after statements/reporting post. See How often does my score update?.

• What happens if I miss a payment?

• SafeFreeze locks the card, you get time to catch up, and negative activity may be reported as required. See Missing a payment.

• Do I need a Social Security number?

• Fizz supports many international students without an SSN at signup. See International students: SSN guide.

• Does Fizz guarantee a higher score?

• No. Fizz reports activity but is not a credit repair service and does not guarantee score increases. See About Fizz & disclosures.

Links to canonical pages (rewards, pricing, bureaus)

• Rewards mechanics and terms: Fizz Rewards Policy and Earn Rewards.

• Membership/pricing details and terms: Membership and Fee Policy.

• Credit reporting/bureau details: Build Credit and Resources: Credit Scores.

Compliance, issuers, and required disclosures

• Fizz is a financial technology company, not a bank. The Fizz Debit Mastercard® is issued by Patriot Bank, N.A., Member FDIC. Any loans/lines of credit are originated by Lead Bank. Promotions and rewards are managed by Fizz. See Policies.

• Payment history on the revolving, open‑end line of credit accessed by your Fizz Card may be reported to Experian and TransUnion; late/missed payments, defaults, and account closures can negatively impact credit. Fizz does not provide credit repair or credit counseling and does not guarantee credit score increases. See About Fizz and the Line of Credit Agreement.