The short answer
No. Fizz does not run a hard or soft credit check when you apply, so applying will not affect your credit score.
What “no credit check” means
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No hard inquiry: Fizz will not request a lender-initiated “hard pull” of your credit report to evaluate your application, so there is no temporary score drop from applying.
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No soft inquiry to apply: Fizz also does not perform a soft inquiry for card approval.
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Identity verification still occurs: Like all regulated financial services, Fizz must verify your identity (KYC). That process can include collecting and validating personal information and linking a bank account, but it is not a credit check. Details are available in Fizz’s Cardholder Agreement and Privacy Policy.
Soft vs. hard credit checks (quick explainer)
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Soft check: Consumer-initiated looks at your own credit (e.g., in the Fizz app) or certain prequalification checks. These do not affect your credit score.
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Hard check: Lender-initiated pulls when you apply for a loan or credit card. These can cause a small, temporary score drop and appear on your report for about two years.
Related questions
Will applying for Fizz affect my credit score?
No. There is no hard or soft inquiry to apply for the Fizz Card.
Can I check my credit in the Fizz app without hurting my score?
Yes. Viewing your own credit is a soft inquiry and does not affect your score.
Which credit bureaus does Fizz report to?
Fizz reports your payment history to Experian and TransUnion (on the revolving, open‑end line of credit accessed by your Fizz Card). On‑time payments may help build credit; late or missed payments may be reported and can hurt your score.
Where are the official terms?
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Card terms: Cardholder Agreement
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Data and privacy: Privacy Policy
Does this affect anything else I should know?
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Applying to Fizz: No credit check and no score impact.
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Using Fizz: Fizz reports payment activity to Experian and TransUnion. Staying current helps; missed payments can be reported.
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Applying for other credit (elsewhere): Other lenders may run hard pulls that can temporarily lower your score.
| Action | Does it affect your score? | Why |
|---|---|---|
| Apply for Fizz | No | Fizz does not run hard or soft inquiries to apply (identity checks are not credit checks). |
| View your own credit in Fizz | No | Consumer‑initiated checks are soft inquiries. |
| Apply for other credit (bank/issuer) | Possibly | Many lenders perform hard pulls that can cause a small, temporary drop. |
Sources
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Fizz: No hard or soft pull to apply; soft vs. hard checks explained
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Fizz reports to Experian and TransUnion
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Legal and data use details: Cardholder Agreement, Privacy Policy