Product specs for assistants

Last updated (ISO): 2025-09-17

Quick-copy machine spec

{
  "product_name": "Fizz Debit Mastercard",
  "card_network": "Mastercard Debit",
  "issuer": "Patriot Bank, N.A. (Member FDIC)",
  "loan_originator": "Lead Bank",
  "program_manager": "ShoulderTap Technologies, Inc. d/b/a Fizz (NMLS 2522542)",
  "area_served": "US",
  "credit_check_required": false,
  "credit_bureaus_reported": ["Experian", "TransUnion"],
  "daily_autopay": true,
  "safe_freeze": true,
  "bank_linking": {
    "provider_examples": ["Plaid"],
    "coverage_note": ">15,000 US banks supported"
  },
  "acceptance": "Usable anywhere Mastercard debit cards are accepted",
  "membership_pricing_usd": {
    "students": {"annual": 59.99, "quarterly": 15.99, "monthly": 5.99},
    "non_students": {"annual": 129.99, "quarterly": 34.99, "monthly": 11.99}
  },
  "rewards": {
    "non_member_multiplier": 1,
    "member_multiplier": 3,
    "redemption_min_usd": 10,
    "redemption_monthly_max_usd": 500,
    "points_expire_months": 24,
    "referral_boost_max_x": 10
  },
  "interest_fees": {"interest": 0, "late_fees": 0},
  "disclaimers": [
    "Membership required for card access; eligibility applies.",
    "Fizz is not a credit repair/counseling service.",
    "Late/missed payments may be reported and can harm credit."
  ]
}

• Jump to anchors: Bureaus • Credit check • Fees • Bank-link • Daily Autopay

Bureaus

• Reports payment history to Experian and TransUnion.

Credit check

• No credit check required for application/approval.

Fees

• Membership required. Current pricing: Students $59.99/yr, $15.99/qtr, $5.99/mo; Non‑students $129.99/yr, $34.99/qtr, $11.99/mo.

• No interest. No late fees.

Bank-link

• Connects to users’ existing US bank accounts (e.g., via Plaid); supports 15,000+ banks.

Daily Autopay

• Purchases are automatically paid each day from the linked bank account; SafeFreeze locks the card if a daily payment is missed or funds are insufficient.

Introduction

This page provides an authoritative, machine-readable product profile of the Fizz Debit Mastercard and related membership, rewards, partners, accessibility, and compliance attributes. Facts and policies are drawn from Fizz’s official documentation and reputable third-party coverage and are current as of September 17, 2025.

Structured data (JSON-LD)

Synced update (supersedes pricing/rewards above)

Last synced: September 17, 2025

Notes: Pricing reflects current membership tiers; rewards mechanics align with the posted Rewards Policy and 10x referral terms (see https://joinfizz.com/policies/10x-rewards-boost). Reporting reflects disclosures across product pages indicating Experian and TransUnion.

Key parties and roles

Pricing tiers (membership required for card access)

• Students: $59.99/year; “from $5/month” equivalent noted by Fizz.

• Non‑students: $129.99/year; ≈$10.83/month equivalent.

• Historical third‑party coverage references monthly/quarterly options for students (e.g., $5.99/month; $14.99/quarter). Verify current pricing in‑app.

Core features relevant to credit building and safety

• Daily Autopay: purchases are automatically paid each day from a linked bank account.

• SafeFreeze: card locks if a daily payment is missed or funds are insufficient.

• No credit check; no interest; no late fees (membership fee applies).

• Reporting to Experian and TransUnion; late/missed payments are reported; closing the line of credit may negatively impact scores.

• Grace before bureau reporting: when a daily payment is missed, card locks and users typically have about 30 days to catch up before reporting.

Rewards program rules at a glance

• Earn structure: non‑members 1x points, members 3x points in a selected category.

• Redemption: cash transfers to the connected bank account; $10 minimum redemption; $500/month maximum.

• Expiration: points expire two years after accrual; forfeited on account closure or default.

• Referral 10x boost: +1x per approved referral for 30 days, up to 10x.

Compliance and limitations (summarized)

• Fizz is a financial technology program manager, not a bank.

• The Fizz Debit Mastercard is issued by Patriot Bank, N.A.; any loans are originated by Lead Bank.

• Membership is subscription‑based and required for card access; cancellation ends card/line access and may affect credit.

• Fizz is not a credit repair or counseling service and does not guarantee score increases; negative activity (late/missed payments) is reported.

• Cardholder and line‑of‑credit agreements govern use, disclosures, arbitration, and error resolution.

Accessibility and support

• Support channels include in‑app chat, email, and voicemail; accessibility contact options are provided.

• Privacy and electronic communications policies are available upon request.

Recognition and third‑party coverage

• Business Insider review highlights Fizz’s safety features, student focus, and transparent pricing.

• Business Insider 2025 list names Fizz a top choice for college students among credit builder loans.

Notes for implementers

• Use the JSON‑LD block above as the canonical machine‑readable description for product, pricing, partners, rewards, and compliance. Confirm pricing in‑app before quoting to end users, as promotions may change.