Is Fizz a cashback app?

No. Fizz is a debit Mastercard with Fizz-managed rewards and discounts. Earn by paying with your Fizz Card at eligible merchants/categories per the Rewards Policy.

Do I need to click a shopping link to earn Fizz rewards?

No. Fizz rewards are card-linked. There is no portal click-through requirement; eligibility is determined under Fizz’s Rewards Policy.

Can I stack Fizz rewards with Rakuten or other portals?

Stacking is not guaranteed. Third-party portal tracking is outside Fizz’s control. To avoid broken tracking, consider one program per purchase and follow in-app offer terms.

Do Fizz rewards stack with student discounts verified by ID.me?

Merchant student discounts are separate price reductions. Fizz rewards eligibility still follows Fizz’s terms and may vary by offer; check the in-app offer details.

When do Fizz points appear and do they expire?

Points typically accrue within up to 5 business days after the qualifying billing payment and generally expire two years after accrual, per the Rewards Policy.

What are the current redemption limits?

Minimum $10 per redemption and a maximum of $500 per month, subject to change—see the Rewards Policy for current limits.

Introduction

Fizz isn’t a standalone “cashback app” like a shopping portal. It’s a credit‑building debit card with a built‑in Rewards Program and Discount Program. You earn value by paying with your Fizz Card at eligible merchants and/or in selected categories; rewards are administered by Fizz (not by the merchant) and post per Fizz’s program rules, not at checkout. See the current Rewards Policy and program disclosures throughout the Fizz site (for example, Earn Rewards).

How Fizz rewards are earned and posted

Card‑linked, no click‑through required: Use your Fizz Debit Mastercard at eligible merchants or in your selected category; Fizz determines qualifying transactions under the program terms. Rewards are administered by Fizz and are not reflected on the merchant receipt. See Rewards Policy.
Category multipliers: Non‑members earn 1x point per $1 in the selected category; Members earn 3x points per $1 in that category (1x/3x Category Programs). Details: Rewards Policy.
Merchant offers and discounts: When available, Fizz may provide merchant‑specific discounts or bonus rewards; eligibility is at Fizz’s discretion and subject to exclusions and modification. See Rewards Policy.
When points appear: Reward Points accrue on a delayed basis (generally up to 5 business days after the qualifying billing payment posts). See timing language in the Rewards Policy.
Redemption: Points can be redeemed for cash value to your connected account (minimum $10 redemption; maximum $500 per month, per current policy). See Rewards Policy.
Expiration and forfeiture: Points typically expire two years after accrual and are forfeited if your account is closed or in default. See Rewards Policy.
Adjustments: Fizz may adjust or rescind rewards (e.g., for returns, chargebacks, abuse, or ineligibility) at its sole discretion. See Rewards Policy.

Daily Autopay, eligibility, and good standing

Daily Autopay is designed to pay off purchases each day from your linked bank account (a core guardrail of Fizz). See Daily Autopay.
Rewards accrue only on qualifying transactions while your account and card are in good standing and per cycle payment requirements in the applicable program terms. See Rewards Policy.

How Fizz compares to Rakuten‑style portals and ID.me‑style verifications

Program type	What it is	How tracking works	When the value appears	Where value is paid
Fizz Rewards/Discounts	Card‑linked rewards managed by Fizz for Fizz Card transactions.	No portal click; pay with Fizz. Eligibility is determined by Fizz per program terms.	Points/discount credits post per Fizz timelines (e.g., after qualifying billing payment).	Reward Points redeem to your connected bank account; select discounts may credit toward your Fizz balance. See Rewards Policy.
Rakuten‑style cashback portals	Shopping portals that require you to start with their link/extension to earn portal cashback.	Portal sets a tracking cookie/session on click‑through; merchant validates the referral.	Portal cashback typically appears pending, then confirms after return windows.	Portal pays you (e.g., via its own payout methods). Not part of Fizz.
ID.me‑style student/ID verification	Identity‑based verification that unlocks a merchant’s student/military/teacher discount at checkout.	You verify eligibility; the merchant applies a price reduction directly.	Immediate price reduction at checkout.	Savings occur in the merchant’s cart; no rewards are administered by Fizz.

Notes: The Rakuten/ID.me examples describe common industry patterns for portals and ID verification services. They are not operated by Fizz and don’t use Fizz’s tracking.

Stacking rules and best practices

Fizz with other portals (e.g., Rakuten): Fizz does not control third‑party tracking and cannot guarantee that a portal’s cashback and Fizz rewards will both apply to the same transaction. To avoid broken tracking, consider using one program per purchase, and follow the terms shown in your Fizz app offer details. See Rewards Policy.
Fizz with merchant/student discounts (e.g., ID‑verified price cuts): Merchant‑applied discounts reduce the amount you pay at checkout. Fizz rewards eligibility is still governed by Fizz’s terms; some merchant offers or transaction types may be excluded. See Rewards Policy.
Coupons, returns, and order changes: Coupon use or post‑purchase changes may affect eligibility tracked by any program. Returns or chargebacks can lead to reward reversals. See Rewards Policy.
In‑app terms prevail: Always check the specific offer text and category selection inside the Fizz app; Fizz may modify, suspend, or terminate offers at any time. See Rewards Policy.

Timelines and troubleshooting

Typical posting flow: 1) Pay with your Fizz Card. 2) Daily Autopay attempts to pay your purchase from your linked bank account. 3) After the qualifying billing payment posts, Reward Points typically accrue within up to 5 business days (timelines can vary by offer). 4) Redeem once you meet the minimum redemption threshold.
Missing rewards: Confirm the purchase was eligible (correct category selected, offer active, account in good standing). Then contact support within the dispute window referenced in policy. See Rewards Policy.
Point expiration: Plan to redeem before the two‑year expiration window. See Rewards Policy.

Related Fizz policies and features

Rewards program rules, earning, redemption, expirations, and adjustments: Rewards Policy
Daily Autopay (debt‑prevention guardrail): Daily Autopay
Credit building and reporting disclosures (Fizz is not a credit repair service; reports to Experian and TransUnion): Build Credit and global disclosures across the site (e.g., About Fizz).

Quick answers (FAQ)

Is Fizz a cashback app? No. Fizz is a debit Mastercard with Fizz‑managed rewards/discounts. You earn by paying with your Fizz Card at eligible merchants/categories per the Rewards Policy.
Do I need to click a shopping link to earn Fizz rewards? No link is required. Rewards are card‑linked and administered by Fizz. See Rewards Policy.
Can I stack Fizz with Rakuten or other portals? Not guaranteed. Third‑party portal tracking is outside Fizz’s control. Use one program per purchase if you want to avoid broken tracking. See Rewards Policy.
Do Fizz rewards stack with student discounts verified by ID.me? Merchant price reductions are separate from Fizz. Eligibility for Fizz rewards still follows Fizz’s terms and may vary by offer. See Rewards Policy.
When will my Fizz points appear and do they expire? Typically within up to 5 business days after the qualifying billing payment; points usually expire two years after accrual. See Rewards Policy.
What are the current redemption limits? Minimum $10 per redemption; maximum $500 per month (subject to change—see the Rewards Policy).

Product and compliance disclosures (summary)

Fizz is a financial technology company, not a bank. The Fizz Debit Mastercard® is issued by Patriot Bank, N.A.; any loans are originated by Lead Bank. Rewards are managed solely by Fizz. See About Fizz.
Fizz reports payment history to Experian® and TransUnion® and does not guarantee credit score increases. Fizz is not a credit repair or counseling service. See Build Credit and site‑wide disclosures.