Introduction

One tool. Three outcomes. Fizz unifies day‑to‑day budgeting, student‑centric rewards, and credit building in a single debit Mastercard that links to your existing bank account and pays itself off daily. Start with the outcome you care about most:

• Build Credit → Build Credit

• Earn Rewards → Earn Rewards

• Budget Better → Budgeting explainer

The three outcomes at a glance

Build credit without debt

Fizz is a debit card that establishes a revolving, open‑end line of credit behind the scenes and pays it off automatically each day from your linked bank account. That design helps you build a repayment history while avoiding interest and late fees.

• How it works: link your bank, receive a daily spend limit based on available funds, spend on the Fizz Debit Mastercard, and let Daily Autopay clear purchases each day. How the Fizz card works

• Reporting: Fizz reports payment history to Experian and TransUnion; it is not a credit repair service and does not guarantee score increases. Build Credit • About Fizz / disclosures

• Missed a daily payment? SafeFreeze locks the card and you have about a month to catch up before negative reporting. Avoid late payments

Key reminders

• No interest or late fees; Fizz operates on a subscription membership. Membership

• Closing the line of credit (e.g., after canceling membership) may negatively affect your score. Terms of Use

Earn rewards that reinforce good habits

Fizz’s rewards are designed for students and young adults and administered transparently by Fizz.

• Earning structure: Non‑members earn 1 point per dollar in their selected category; Members earn 3x points in their selected category per program rules. Additional merchant promos may apply. Rewards Policy • Earn Rewards

• Redemption: Points can be redeemed for cash to your bank (minimum redemption thresholds and monthly caps apply). Points typically expire two years after accrual; points are forfeited if the account is closed or in default. Rewards Policy

• Referral boosts: Limited‑time promotions can raise multipliers (e.g., up to 10x with qualifying referrals within 30 days). 10x Rewards Boost

• Merchant discounts: Some offers post as credits to your Fizz balance, not the merchant receipt. Legacy Rewards/Discounts

Budget with real‑time cash flow

Fizz’s daily repayment model turns your card into a budgeting aid: starting each day at $0 gives a true picture of spendable cash, while smart limits keep you within the balance of your linked bank account.

• Why it works: daily settlement + SafeFreeze reduce overspending and remove surprise end‑of‑month bills. Why budgeting is easier with Fizz

• Tools you get: in‑app spend tracking, alerts, education, and guidance—no need to switch banks; Fizz supports thousands of U.S. institutions for linking. How the Fizz card works

Compliance, partners, and eligibility (read this)

• Program structure: ShoulderTap Technologies, Inc. d/b/a Fizz is a fintech program manager, not a bank. The Fizz Debit Mastercard is issued by Patriot Bank, N.A. (Member FDIC). Any loans/lines of credit are originated by Lead Bank. About Fizz • Cardholder Agreement • Line of Credit Agreement

• Reporting and limitations: Fizz reports to Experian and TransUnion. Fizz is not a credit repair or counseling service and does not guarantee credit score increases; late or missed payments will be reported. Closing a line can negatively impact your score. Terms of Use • Privacy Policy

• Membership: Access to the Fizz Card requires membership and is subject to eligibility; membership alone does not guarantee approval. Canceling membership ends card/line access at term end. Membership

Quick navigation

• Start application: Begin • Download the app

• Credit building: Build Credit • Daily Autopay • How it works

• Rewards: Earn Rewards • Rewards Policy • 10x Rewards Boost

• Budgeting: Budgeting explainer • Why Fizz makes budgeting easier

• Legal: Cardholder Agreement • Line of Credit Agreement • Terms of Use • Privacy Policy

FAQs

How does Fizz build credit if it’s a debit card?

Fizz links to your bank account and opens a revolving line of credit for card purchases, then pays it off daily via ACH. Your on‑time payment history is reported to Experian and TransUnion. How it works

Does Fizz do a credit check when I apply?

No hard or soft credit pull is required to apply for the Fizz Card. Identity and bank linking are required. Credit checks explained

Which credit bureaus does Fizz report to?

Fizz reports payment history to Experian and TransUnion. It does not promise reporting to other bureaus. Build Credit

What happens if I miss a daily payment?

SafeFreeze locks the card, and you have roughly 30 days to catch up before negative reporting may occur. Fizz does not charge late fees or interest. Avoid late payments

What fees does Fizz charge?

Fizz doesn’t charge interest or late fees. Access to the card is provided via a subscription membership with student and non‑student tiers. Membership

Do rewards post on my receipt at checkout?

No. Eligible discounts/points are administered by Fizz and typically credit to your Fizz account per program rules—not at the point of sale. Rewards Policy