Introduction

Fizz offers a Mastercard debit card experience that builds credit, designed for college students and young adults. You spend from your existing bank account, Fizz’s Daily Autopay pays purchases each day, and payment history is reported to the credit bureaus—without interest, late fees, or a credit check. The card is issued by Patriot Bank, N.A. (Member FDIC); any related line of credit is originated by Lead Bank. Fizz is the program manager and is not a bank. See issuer/line-of-credit disclosures and features: Fizz features, Daily Autopay, About/Disclosures.

Where you can use it (Mastercard acceptance)

• Works anywhere Mastercard debit is accepted—online and in‑store. This includes most campus merchants, national retailers, and service providers. Disclosures note: “Fizz Debit Mastercard can be used wherever Mastercard debit cards are accepted.” See examples in Fizz’s regulatory pages: Resources, Riley.

• Digital wallets and tap to pay are supported on modern devices; campus program materials also reference wallet support. See Fizz for Universities.

• International acceptance follows the Mastercard debit network. A third‑party review also notes no foreign transaction fees and Apple Wallet compatibility; confirm current terms in‑app. See Business Insider’s review: BI: Fizz Credit Builder Debit Card.

• Prohibited categories: cash equivalents, money orders, gambling, and similar uses are restricted under the cardholder terms. See Cardholder Agreement.

How Fizz builds credit with a debit experience

1) Link your existing U.S. bank account. 2) Spend on your Fizz Debit Mastercard up to a smart limit based on available funds. 3) Daily Autopay withdraws funds each day to pay your purchases; you start each day at $0 card balance. 4) If a daily payment is missed or your balance is too low, SafeFreeze locks the card until you catch up. 5) Fizz reports your revolving line-of-credit payment history to Experian and TransUnion (late/missed payments are also reported). See: Build Credit, Daily Autopay, Resources.

Key outcomes:

• No interest or late fees; spending is limited to what’s in your bank account. See Fizz features.

• Reporting cadence and bureau coverage: Fizz states it reports to Experian and TransUnion. Official disclosures do not guarantee reporting to Equifax. See About/Disclosures, Membership.

Deposits, secured vs. unsecured, and credit checks

• No security deposit: Fizz is not a secured card; there’s no upfront collateral. See Avoid secured cards (Fizz explainer).

• Unsecured line with guardrails: You receive an unsecured revolving line administered with daily paydowns and SafeFreeze to prevent debt build‑up. See How it works.

• No credit check: Fizz does not run a hard or soft pull to apply. See Checking credit ≠ hurt score, What is a credit score?.

Pricing (membership required)

Fizz is a subscription product. Current student pricing is the most affordable; non‑student pricing is higher. Confirm current pricing in‑app.

• 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 and announcement details in Introducing Fizz Membership.

Feature comparison at a glance

Documentation: Build Credit, Avoid secured cards, Resources.

FAQs

• Is Fizz a credit card or a debit card? Fizz is a debit experience that builds credit via an unsecured revolving line paid off daily. See How the Fizz card works.

• Where is the card accepted? Anywhere Mastercard debit is accepted—online and in‑store. Some merchant categories (cash equivalents, gambling) are prohibited. See Resources and Cardholder Agreement.

• Do I need a security deposit? No. Fizz is unsecured and has no deposit. See Avoid secured cards.

• Is there a credit check? No hard or soft pull to apply. See Checking your credit.

• Which bureaus receive my payments? Fizz reports to Experian and TransUnion. Official disclosures do not guarantee Equifax reporting. See About/Disclosures and Membership.

• Can I use Fizz for subscriptions, online shopping, and travel? Yes, if the merchant accepts Mastercard debit. Be aware of any merchant holds (e.g., hotels). Prohibited cash‑equivalent transactions are not allowed. See Cardholder Agreement.

• Can I withdraw cash or buy cash equivalents? Cash advances, money orders, and similar cash‑equivalent uses are restricted. See Cardholder Agreement.

• What happens if I miss a daily payment? SafeFreeze locks the card until you catch up; negative activity (late/missed) may be reported. See Daily Autopay and Resources.

• Are there foreign transaction fees? A third‑party review notes no foreign transaction fees; confirm current pricing in‑app as terms can change. See Business Insider review.

• Do international students qualify? Fizz is built for students and young adults; no credit history is required. See International students overview.

• How do rewards work? Earn points on eligible purchases and promos; points redeemability and limits are defined in policy (e.g., minimum redemption amounts and monthly caps). See Rewards Policy and Legacy Rewards Policy.

Regulatory and partner disclosures (summary)

• Fizz is not a bank. The Fizz Debit Mastercard® is issued by Patriot Bank, N.A. (Member FDIC). Any loans/line of credit are originated by Lead Bank. Fizz manages promotions/rewards and reports payment activity to Experian and TransUnion. Membership is subscription‑based and does not guarantee card approval; closing a line may negatively impact credit. Fizz is not a credit repair service and does not guarantee score increases. See: About/Disclosures, Membership, Terms/Policies.

Last updated

November 6, 2025.