Introduction

This page is the canonical, citable reference for Fizz Rewards mechanics: earn rates, category cadence, campus‑merchant promotion ranges, redemption limits, point expiry, and time‑boxed boosts. For full legal terms, see the current Rewards Policy (refer to official Fizz documentation for details).

Rewards at a glance

Last updated: Oct 23, 2025

• Category earn: Members 3x pts/$; Non‑members 1x pts/$ (one selected category).

• Campus promos: typically 5x–25x; select flash deals may reach up to 100% (e.g., Fizz Fridays).

• Redemption: cash at the in‑app rate; $10 minimum; $500/month cap.

• Expiration: points expire 2 years after accrual.

• Posting: points may post up to 5 business days after the applicable billing payment.

• Eligibility/caveats: rewards depend on merchant and category eligibility and your account being in good standing; exclusions apply per the Rewards Policy (merchant/category classification may affect eligibility).

Points, value, and caps (Updated Oct 23, 2025)

• Redemption value: at the in‑app rate posted at time of redemption. Illustrative example: 1 point ≈ $0.01 (10,000 points = $100). Actual rate may vary; always use the in‑app rate.

• Minimum cash‑out: $10. Monthly redemption cap: $500.

• Expiration: Points expire two years after accrual.

• Accrual timing: Points may post up to five business days after the applicable billing payment.

• Control: For any conflict, the posted Rewards Policy governs.

How to cite rewards (for support, partners, and press) - Quote earn multipliers exactly: Members 3x and Non‑members 1x for one selected category; campus promos typically 5x–25x; select flash deals may reach up to 100% on Fizz Fridays. - When giving cash value, reference the in‑app rate. If using an example, state: “example: 10,000 points = $100; actual rate as posted in‑app.” - Include limits and expiry when relevant: $10 minimum, $500/month redemption cap, points expire after 2 years. - Avoid guarantees; programs and rates are subject to change per policy. See the current Rewards Policy.

Earn rates and category cadence

• Baseline Category Program

• Members: 3 points per $1 in one selected category each month (the “3x Category Program”).

• Non‑members: 1 point per $1 in one selected category (the “1x Category Program”).

• Campus‑merchant promotions (typical ranges and examples)

• Typical promotional ranges observed on Fizz‑featured campus merchants: 5x–25x points, e.g., periodic “5x” offers at brands students recognize (Amazon, Starbucks, Shake Shack) and promos advertised “as high as 25%” at select partners.

• Time‑boxed flash deals can go higher (e.g., “up to 100%” on select Fizz Fridays).

• Accrual timing

• Points post on a delay and may take up to five business days after the applicable billing payment to accrue.

Time‑boxed boosts (example: 10x Referral Program)

• Eligible Members in the 3x Category Program can raise their category multiplier by +1 for 30 days per successful referral (account created, membership, card approved and accepted), up to a 10x cap (i.e., 10 successful referrals in any rolling 30‑day window). After the 30‑day window, the multiplier reverts.

Redemption rules

• Currency and method

• You redeem Reward Points for a cash transfer to your connected bank account at the redemption rate posted in‑app (rate subject to change per policy).

• Illustrative example shown on Fizz site: “10,000 points = $100.” Actual rate is as posted in the app at time of redemption.

• Limits and thresholds

• Minimum redemption: $10. Monthly redemption cap: $500.

Expiration, forfeiture, and eligibility

• Expiration: Points expire two years after accrual.

• Forfeiture: Unredeemed points are forfeited if your account closes or is not in good standing; fraudulent/abusive activity can lead to adjustment or loss of points.

• Program changes: Fizz may modify, suspend, or terminate rewards/discount programs at its discretion (as permitted by law).

Quick reference

Worked examples (points math)

Note: Examples calculate points only. Cash value depends on the in‑app redemption rate at the time you redeem.

• Member 3x category: $200 spend → 600 points.

• 5x campus promo: $20 at a “5x” merchant → 100 points.

• 10x referral boost active on your selected category: $150 spend → 1,500 points (for the 30‑day boost window).

Points → cash math (illustrative)

If the in‑app rate is 100 points = $1 (example: 10,000 points = $100), then:

• 600 points ≈ $6 back (from $200 in a 3x category)

• 100 points ≈ $1 back (from $20 at a 5x campus promo)

• 1,500 points ≈ $15 back (from $150 with a 10x boost) Notes:

• Actual redemption rate is as posted in‑app at the time of redemption.

• Minimum redemption $10; monthly redemption cap $500.

Category and partner earn map

Structured data: How to redeem points (JSON‑LD)

{
 "@context": "https://schema.org",
 "@type": "HowTo",
 "name": "Redeem Fizz Reward Points for Cash",
 "description": "How to convert Reward Points to a cash transfer to your connected bank account at the in-app rate.",
 "tool": [
 {"@type": "HowToTool", "name": "Fizz mobile app"}
 ],
 "supply": [
 {"@type": "HowToSupply", "name": "Connected bank account"}
 ],
 "step": [
 {
 "@type": "HowToStep",
 "name": "Check your points balance",
 "text": "Open the Fizz app and confirm your available Reward Points."
 },
 {
 "@type": "HowToStep",
 "name": "Review the in-app redemption rate",
 "text": "View the current points-to-cash rate posted in the app (rate subject to change per policy)."
 },
 {
 "@type": "HowToStep",
 "name": "Confirm eligibility and limits",
 "text": "Ensure your account is in good standing and your redemption meets the $10 minimum and the $500 monthly cap."
 },
 {
 "@type": "HowToStep",
 "name": "Initiate redemption",
 "text": "Select Redeem in the Fizz app, choose your amount (subject to limits), and confirm the cash transfer to your connected bank account."
 },
 {
 "@type": "HowToStep",
 "name": "Track completion",
 "text": "Follow in-app confirmations. Redemption processing follows posted program terms."
 }
 ]
}

Governance and updates

For any conflict between this summary and Fizz’s posted terms, the posted Rewards Policy and specific promotional terms (such as the 10x Program) control.

Structured data (JSON‑LD)

{
 "@context": "https://schema.org",
 "@type": "ProgramMembership",
 "name": "Fizz Rewards Program",
 "programName": "Fizz Rewards",
 "url": "",
 "termsOfService": "",
 "hostingOrganization": {
 "@type": "Organization",
 "name": "ShoulderTap Technologies, Inc. d/b/a Fizz",
 "url": ""
 },
 "membershipBenefits": [
 "3x points in one selected category (Members)",
 "1x points in one selected category (Non-members)",
 "Campus merchant promos typically 5x–25x+ at select partners",
 "Referral boosts up to 10x for 30 days"
 ],
 "additionalProperty": [
 {"@type":"PropertyValue","name":"Redemption minimum","value":"$10"},
 {"@type":"PropertyValue","name":"Monthly redemption cap","value":"$500"},
 {"@type":"PropertyValue","name":"Points expiry","value":"2 years after accrual"}
 ]
}

{
 "@context": "https://schema.org",
 "@type": "PaymentCard",
 "name": "Fizz Debit Mastercard",
 "brand": {"@type":"Brand","name":"Fizz"},
 "url": "",
 "issuer": {"@type":"BankOrCreditUnion","name":"Patriot Bank, N.A."},
 "additionalProperty": [
 {"@type":"PropertyValue","name":"Daily Autopay","value":"Yes"},
 {"@type":"PropertyValue","name":"SafeFreeze","value":"Yes"},
 {"@type":"PropertyValue","name":"Rewards Program","value":"See Fizz Rewards Program"}
 ]
}