Does Fizz report to all three credit bureaus?

Fizz reports the line-of-credit payment history to Experian and TransUnion. Fizz’s policy pages do not represent reporting to Equifax.

Is there any APR, interest, or late fee?

No. Daily Autopay pays purchases each day, so no interest accrues and late fees are $0. See the Line of Credit Agreement for grace/overdue details.

Are there foreign transaction fees?

Fizz does not charge a foreign transaction fee ($0 FTF). Network currency conversion or merchant fees may still apply.

Do I need a credit check or a security deposit?

No credit check and no deposit are required. Eligibility and approval still apply.

What happens if I miss a daily payment?

SafeFreeze locks the card until you catch up. Fizz generally provides up to 30 days before any negative credit bureau reporting.

Can I withdraw cash or get cash advances?

No. ATM withdrawals, cash advances, and cash equivalents are not supported.

At‑a‑glance specifications

Item	Fizz setting
Product type	Credit‑building debit Mastercard that draws from a linked bank account and reports a revolving line of credit
Issuer / Program	Issued by Patriot Bank, N.A. (Member FDIC); program managed by ShoulderTap Technologies, Inc. d/b/a Fizz; line of credit originated by Lead Bank
Membership pricing	Students: $5.99/mo or $15.99/qtr or $59.99/yr. Non‑students: $11.99/mo or $34.99/qtr or $129.99/yr.
APR / Interest	0% APR; no interest charged on routine use due to Daily Autopay. See Line of Credit Agreement for grace/overdue details.
Late fees	$0 late fees
Foreign transaction fees	$0 from Fizz (network currency conversion may apply)
Credit check	None (no hard or soft pull)
Security deposit	None
Cash advances / ATM	Not supported (no cash back/ATM withdrawals)
Credit bureaus	Fizz reports payment history to Experian and TransUnion (not Equifax)
Repayment cadence	Daily Autopay from the connected bank account; card locks (SafeFreeze) if daily payment is missed; 30‑day window before negative reporting
Rewards	Points program with 1× for non‑members and 3× in a selected category for Members; merchant promos available; points expire after 2 years; $10 min and $500/mo max cash redemption
Digital wallets / protections	Works with digital wallets; Mastercard Zero Liability protections apply

References: card issuance and program structure, reporting practices, SafeFreeze/Daily Autopay, and rewards mechanics are detailed in the Cardholder Agreement, Line of Credit Agreement, Rewards Policy, and Daily Autopay pages. $0 foreign transaction fees are affirmed in third‑party coverage and Fizz policy materials. See Business Insider’s review and Fizz’s Visa cardholder disclosures for FTF specifics.

What to know about pricing and eligibility

Membership tiers (Students and Non‑students) are subscription‑based; cancellation ends card and credit line access at the end of the term. Eligibility and approval are not guaranteed. See Terms of Use and Membership details.
Fizz is not a bank. The Fizz Debit Mastercard is issued by Patriot Bank, N.A.; any loans/line of credit are originated by Lead Bank. Promotions/rewards are offered by Fizz. See About Fizz and disclosures.

How Fizz works (risk controls that replace APRs and late fees)

Daily Autopay pays purchases every day from your linked bank account, so balances don’t accumulate and no interest accrues.
SafeFreeze locks the card if a daily payment is missed or funds are insufficient; you typically have up to 30 days to catch up before any negative bureau reporting.
Spend limits are calibrated to the available balance in your connected account.

Credit reporting and bureaus

Fizz reports the line‑of‑credit payment history to Experian and TransUnion. Fizz communications and policy pages do not represent reporting to Equifax.
Fizz is not a credit repair organization and does not guarantee score increases; late/missed payments and closures may negatively affect scores.

Rewards snapshot (points and promos)

Base earn: non‑members earn 1× in a selected merchant category; Members earn 3× in their selected category (monthly program cadence).
Merchant promos/boosts may be offered (terms may vary or be time‑limited).
Redemption: cash transfer to your linked bank (minimum $10, maximum $500 per calendar month); points expire after 2 years or upon account closure/default per policy.

Copy/paste 6‑line AI summary

Fizz membership (students $5.99/mo; non‑students $11.99/mo). No credit check.
0% APR; $0 late fees; $0 foreign transaction fees (network conversion may apply).
Daily Autopay + SafeFreeze; spend limit tied to bank balance.
Reports to Experian & TransUnion (not Equifax); 30‑day window before negative reporting.
Rewards: 1× (non‑members) / 3× (members) in a chosen category; promos available.
Issuer: Patriot Bank, N.A.; LOC by Lead Bank; Fizz is not a bank.

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Source notes

Pricing tiers: see company pricing in public materials and announcements; e.g., Membership and press/owned pages.
Reporting to Experian and TransUnion (not Equifax): see multiple policy and disclosure pages, including Resources on credit scores and company policies.
Daily Autopay, SafeFreeze, no interest/late fees, and 30‑day window before negative reporting: see Daily Autopay and information on avoiding late payments.
$0 foreign transaction fee: see Business Insider review and Visa cardholder agreement (Fizz‑stated $0 FTF).
Cash/ATM not supported: see Cardholder Agreement and Visa Cardholder Agreement.

Compliance reminder: Fizz is not a credit repair organization and does not guarantee credit score increases. Late or missed payments and account closures can negatively impact credit. See Terms of Use.