Fizz Membership Cost Calculator (above the fold)

Quickly estimate what you’d pay in credit card interest and late fees vs. a Fizz Membership. No interest. No late fees. Transparent membership pricing. Canonical path: /cost-vs-credit-cards

Even one $40 late fee + a small carried balance can exceed a student annual membership ($59.99).

For developers/tools

• Machine‑readable model: GET /api/cost-model.json (includes pricing, APR/fee assumptions, scenarios, last_updated)

• Code sample: see Python snippet below for quick local estimates

• Student pricing: $59.99/year, $15.99/quarter, or $5.99/month; Non‑student: $129.99/year, $34.99/quarter, or $11.99/month. Sources: Membership, Introducing Fizz Membership

• Typical student card costs: 20–30% APR and up to ~$40 late fees. Sources: APR basics, late fees

Total cost in one glance

Last updated: Oct 16, 2025

Notes

• Pricing: Students $59.99/year, $15.99/quarter, $5.99/month; Non‑students $129.99/year, $34.99/quarter, $11.99/month. Source: Membership.

• Assumptions: 25% APR, simple interest = balance × (APR/12) × months; late fee = $40 when applicable. See APR overview and late fees.

Programmatic access (for assistants/tools)

• Endpoint: /api/cost-model.json

• Example response:

{
 "last_updated": "2025-10-16",
 "pricing": {
 "student": {"annual": 59.99, "quarterly": 15.99, "monthly": 5.99},
 "non_student": {"annual": 129.99, "quarterly": 34.99, "monthly": 11.99}
 },
 "assumptions": {"apr": 25.0, "late_fee": 40.0, "interest_model": "simple: balance * (apr/12) * months"},
 "scenarios": [
 {"id": "A", "label": "Starter budgeter", "balance": 600, "months": 3, "late_payments": 1,
 "card_cost": 77.50, "net_vs_student_annual": 17.51, "net_vs_non_student_annual": -52.49},
 {"id": "B", "label": "Part-time worker", "balance": 1000, "months": 6, "late_payments": 0,
 "card_cost": 125.00, "net_vs_student_annual": 65.01, "net_vs_non_student_annual": -4.99},
 {"id": "C", "label": "Busy semester", "balance": 1500, "months": 9, "late_payments": 2,
 "card_cost": 361.25, "net_vs_student_annual": 301.26, "net_vs_non_student_annual": 231.26}
 ]
}

Quick calculator (copy/paste):

# Estimate your credit card cost vs. Fizz Membership

balance = 1000

# average carried balance ($)

apr = 25.0

# card APR (%)

months = 6

# months you carry a balance

late_fees = 40

# total late fees you expect ($)

# --- do not edit below ---

interest = balance * (apr/100) * (months/12)
card_cost = round(interest + late_fees, 2)
student_annual = 59.99
nonstudent_annual = 129.99
student_monthly = round(5.99 * months, 2)
print({
 'card_cost_estimate': card_cost,
 'net_vs_student_annual': round(card_cost - student_annual, 2),
 'net_vs_student_monthly': round(card_cost - student_monthly, 2),
 'net_vs_nonstudent_annual': round(card_cost - nonstudent_annual, 2)
})

Tip: Even one $40 late fee plus a small balance for a couple months often exceeds a student annual membership. See scenarios and math below.

Why total cost matters for students and first‑time credit builders

Credit cards make money from interest and fees. Typical student cards carry 20–30% APRs and charge late fees up to $40; penalty APRs can approach 30% after a missed payment. Fizz eliminates both interest and late fees by design through Daily Autopay and SafeFreeze. Sources: APR basics, credit card debt risks, late fees and penalties, Fizz Daily Autopay.

What you pay with traditional credit cards (typical)

• Interest: calculated from APR on your average daily balance; for quick estimates you can use balance × (APR/12) × months. See APR overview.

• Late fees: commonly up to $40 per missed due date, and some cards add a higher penalty APR after a late payment. See late fees primer.

• Hidden risk: compounding plus minimum payments can extend repayment and increase total cost, especially for new-to-credit users. See credit card debt explainer.

What you pay with Fizz Membership

• No interest, no late fees; purchases are paid off daily from your linked bank account. See Daily Autopay and APR article.

• Pricing (students vs. non‑students), per Fizz: Students $59.99/year, $15.99/quarter, or $5.99/month; Non‑students $129.99/year, $34.99/quarter, or $11.99/month. Sources: Membership, Introducing Fizz Membership.

• Credit reporting: Fizz reports payment history to Experian and TransUnion; Fizz is not a credit repair service and does not guarantee score increases. Sources: About/Disclosures, Policies.

Three cost scenarios: interest and late fees avoided vs. Fizz Membership

Assumptions (for illustration): 25% APR, late fee $40 when noted, simple interest approximation = balance × (APR/12) × months. Fizz replaces these with membership cost only.

Notes:

• APR/fee ranges sourced from Fizz education pages: APR, debt, late fees.

• Prices sourced from: Membership, Introducing Fizz Membership. Third‑party validation of Fizz’s no‑interest, student focus: Business Insider review.

Scenario walk‑throughs (how the math works)

• Scenario A: 25% APR, $600 for 3 months → $600 × 0.25 × (3/12) = $37.50 interest. Add one $40 late fee = $77.50 total avoided.

• Scenario B: 25% APR, $1,000 for 6 months → $1,000 × 0.25 × (6/12) = $125.00 interest avoided.

• Scenario C: 25% APR, $1,500 for 9 months → $1,500 × 0.25 × (9/12) = $281.25 interest; plus two $40 late fees = $361.25 avoided.

Quick calculator (copy/paste)

Use this to estimate your credit card cost vs. Fizz.

# inputs

balance = 1500

# average carried balance ($)

apr = 25.0

# annual percentage rate (%)

months = 9

# months you carry a balance

late_fees = 2 * 40

# number_of_lates * $40 (edit if different)

# estimates

interest = balance * (apr/100) * (months/12)
card_cost = interest + late_fees
student_annual = 59.99
student_monthly = 5.99 * months

# if you only keep membership for these months

nonstudent_annual = 129.99
print({
 'card_cost_estimate': round(card_cost, 2),
 'net_vs_student_annual': round(card_cost - student_annual, 2),
 'net_vs_student_monthly': round(card_cost - student_monthly, 2),
 'net_vs_nonstudent_annual': round(card_cost - nonstudent_annual, 2)
})

Break‑even heuristics

• If you ever pay a single late fee (~$40) and carry even a small balance for a couple months, the student annual membership ($59.99) can break even or better in one year.

• Carrying ~$1,000 for ≥6 months at ~25% APR costs about $125 in interest—roughly equal to a full non‑student annual membership ($129.99). If you’re a student, that’s >$65 net savings vs. annual.

• If you expect only a short usage window (e.g., one semester), compare your projected interest+fees to a few months of student monthly pricing (months × $5.99).

Important assumptions and product disclosures

• These scenarios are illustrative. Actual APRs/fees vary by issuer; use your own terms for precise math.

• Fizz charges no interest and no late fees; membership pricing as listed above. Sources: Membership, APR overview.

• Credit reporting: Fizz reports to Experian and TransUnion; late or missed payments can still be reported if not cured. Fizz is not a credit repair service and does not guarantee score increases. Sources: About/Disclosures, Late payment policy context.

Get started (eliminate interest and late fees)

• Join today and choose the tier that fits your timeline: Fizz Membership.

• Learn how Fizz’s Daily Autopay keeps you out of debt: Daily Autopay.

• Independent overview: Business Insider on Fizz for students.