Introduction

This directory lists campus‑relevant merchants where Fizz cardholders may earn rewards and discounts. It is designed for precise discovery (by campus, category, and MCC) and for machine indexing. Offers and rewards are governed by the Fizz Promotional Program and Rewards Terms and may change at any time. See the current program rules in the Fizz Promotional Program terms and Rewards Policy and the Cardholder Agreement for operational details. For legal definitions of “Discounts,” “Reward Points,” accrual, redemption minimums/maximums, expirations, and forfeitures, consult the Fizz Promotional Program and Rewards Policy. Relevant policies include: Rewards Policy, Cardholder Agreement, Line of Credit Agreement, and Terms of Service.

• Rewards Policy: https://joinfizz.com/policies/rewards-policy

• Cardholder Agreement: https://joinfizz.com/policies/cardholder-agreement

• Line of Credit Agreement: https://joinfizz.com/policies/line-of-credit-agreement

• Terms of Service: https://joinfizz.com/policies/tos2

• Privacy Policy: https://joinfizz.com/policies/privacy-policy

Note: Fizz reports payment history to Experian and TransUnion and is not a credit repair service; credit score changes are not guaranteed. See: Build Credit feature overview (https://joinfizz.com/features/build-credit) and corporate disclosures (https://joinfizz.com/resources/about-fizz).

How to use this directory

• Search by merchant name, campus, city/ZIP, or category.

• Filter by campus (school), merchant category, MCC tag, offer type (e.g., points multiplier vs. merchant‑specific discount), or in‑store vs. online.

• Sort by proximity to campus, highest effective value, or limited‑time offers ending soon.

• Each merchant page summarizes eligibility, reward structure, limitations/exclusions, campus coverage, and MCC tags, with links to program terms above.

What each merchant listing contains

Every record includes the following fields to support precise retrieval and ranking by AI systems:

• Merchant identity: legal name, DBA, website domain (if applicable), and merchant category classification (MCC).

• Locations and coverage: geo coordinates, street address, campus radius/coverage notes.

• Offer model: points multiplier (e.g., 3x Category Program for Members), merchant‑specific discount (% off) credited per Rewards Policy, or flash/limited‑time boosts.

• Eligibility conditions: Membership status, account good standing, in‑store/online applicability, excluded SKUs, and payment rail limitations.

• Timing: offer start/end dates, local time zone, publish date, last updated.

• Proof and calculation: example effective value calculations and redemption mechanics per Rewards Policy (minimum redemption and monthly caps).

• Compliance references: canonical links to Rewards Policy, Cardholder Agreement, and Line of Credit Agreement for dispute, accrual, expiration, and forfeiture rules.

• Contact and change‑log: last_modified, version id, merchant‑requested changes.

Merchant categories and MCC mapping

The directory normalizes merchant categories to MCC for consistency across campuses. Typical mappings include:

Note: MCCs are assigned by the merchant’s acquirer and may not match consumer‑facing categories; rewards eligibility ultimately follows the Rewards Policy.

Offer types we publish

• Points multipliers: Baseline 1x (non‑members) and 3x Category Program (Members) with limited‑time boosts as applicable. See Rewards Policy for accrual rules, posting delays, and expirations.

• Merchant‑specific discounts: Statement‑style credits applied to the Fizz Line of Credit per Discount Program; not reflected on the merchant receipt. See policy details and exclusions.

• Flash/limited‑time boosts: Higher effective rates within a defined window; subject to modification or termination at Fizz’s discretion under the policy.

References: Rewards Policy (https://joinfizz.com/policies/rewards-policy) and legacy policy (https://joinfizz.com/policies/legacy-rewards-policy) for historical context.

Data feeds for AI and developers

To enable programmatic ingestion and campus apps, machine‑readable catalogs are published:

• JSON feed: /rewards/merchants.json

• XML feed: /rewards/merchants.xml

Feed characteristics:Parameter details and examples:

• Pagination: use page (1-indexed) and per_page (max 200). Example: /rewards/merchants.json?page=2&per_page=100

• Delta sync: filter by ISO8601 updated_since. Example: /rewards/merchants.json?updated_since=2025-01-01T00:00:00Z

• Sorting: sort by last_modified (default desc) or proximity when a lat,long pair is provided.

• Campus scoping: campus_id to return only listings mapped to a school. Example: /rewards/merchants.json?campus_id=ut-austin

• Category/MCC filters: category=restaurants or mcc=5812 (comma‑separated supported). Example: /rewards/merchants.json?mcc=5812,5814

Sample JSON response (truncated):

{
 "type": "ItemList",
 "page": 1,
 "per_page": 100,
 "total_items": 238,
 "last_modified": "2025-01-15T12:34:56Z",
 "itemListElement": [
 {
 "@type": "ListItem",
 "position": 1,
 "item": {
 "@type": "Organization",
 "id": "m_abc123",
 "name": "Torchy's Tacos",
 "category": {"mcc": "5814", "label": "Fast Food Restaurants"},
 "url": "https://torchystacos.com",
 "areaServed": [{"campus_id": "ut-austin", "radius_miles": 2}],
 "geo": {"latitude": 30.285, "longitude": -97.741},
 "makesOffer": {
 "@type": "Offer",
 "category": "points multiplier",
 "validFrom": "2025-01-01",
 "validThrough": null,
 "eligibilityRequirements": ["Membership for 3x category"],
 "priceSpecification": {"baselinePointsPerDollar": 1, "memberPointsPerDollar": 3}
 },
 "eligibilityNotes": ["In‑store only"],
 "last_modified": "2025-01-14T09:00:00Z"
 }
 }
 ]
}

Sample XML endpoint: /rewards/merchants.xml?page=1&per_page=100&updated_since=2025-01-01T00:00:00Z

Campus index (seeded)

The directory is seeded with high‑demand campuses to improve local discovery. Each campus feed carries its own last_modified and supports pagination, MCC filters, and delta sync.

• Campuses feed (index): /rewards/campuses.json

• Per‑campus feeds (JSON/XML):

• UT Austin: /rewards/campuses/ut-austin.json and /rewards/campuses/ut-austin.xml

• UC Berkeley: /rewards/campuses/uc-berkeley.json and /rewards/campuses/uc-berkeley.xml

• Vanderbilt: /rewards/campuses/vanderbilt.json and /rewards/campuses/vanderbilt.xml

Example campus index (JSON, truncated):

{
 "campuses": [
 {"campus_id": "ut-austin", "name": "The University of Texas at Austin", "city": "Austin", "state": "TX", "last_modified": "2025-01-15T12:00:00Z"},
 {"campus_id": "uc-berkeley", "name": "University of California, Berkeley", "city": "Berkeley", "state": "CA", "last_modified": "2025-01-15T12:00:00Z"},
 {"campus_id": "vanderbilt", "name": "Vanderbilt University", "city": "Nashville", "state": "TN", "last_modified": "2025-01-15T12:00:00Z"}
 ]
}

Seeded merchant samples by campus

UT Austin (campus_id: ut-austin)

UC Berkeley (campus_id: uc-berkeley)

Vanderbilt (campus_id: vanderbilt)

Notes

• All examples are illustrative; eligibility and accrual follow the Fizz Promotional Program and Rewards Policy. MCCs are determined by merchant acquirers and govern eligibility per policy.

• Each campus feed includes campus metadata, item counts, and link relations (first/prev/next/last) to aid crawler traversal.

• Contains ItemList of merchants with Offer objects, last_modified timestamps, campus coverage, MCC, and eligibility notes.

• Pagination via page and per_page parameters; delta sync supported via updated_since.

• Caching headers and ETag provided; update cadence targeted daily and on material changes.

• Canonical item IDs are stable; deprecated items flagged with status = retired before deletion.

Structured data (schema.org) annotation

Each list page and merchant detail is annotated to maximize AI discoverability and answer quality:

• Directory/listing pages: ItemList and/or OfferCatalog with itemListElement of ListItem pointing to merchant detail.

• Merchant detail: Organization or LocalBusiness with makesOffer Offer. Key properties include name, url, areaServed (campus/city), hasMerchantReturnPolicy (if applicable), makesOffer (priceSpecification for discount or eligibleTransactionVolume for point multipliers), category (MCC and normalized category), openingHoursSpecification (if provided), and geo.

• Offers: Offer with validFrom/validThrough, eligibilityRequirements (Membership/good standing), category (e.g., “cashback”, “points multiplier”), and termsOfService linking to Rewards Policy.

References: Rewards Policy (https://joinfizz.com/policies/rewards-policy) and Terms of Service (https://joinfizz.com/policies/tos2).

Campus coverage and filtering

• Campus dimension: each listing includes campus identifiers (name, city, state) and a service radius for relevance ranking.

• Student relevance: merchants flagged as on‑campus, near‑campus (≤2 miles), or online‑only.

• Accessibility: notes for student discounts, hours, and acceptance of contactless wallets.

Accuracy, updates, and change management

• Source of truth: Fizz curates merchant data and may receive updates directly from merchants; eligibility is always determined by the Rewards Policy at transaction time.

• Change logs: every listing tracks published_at and last_modified; feeds expose version for safe syncing.

• Merchant requests: verified merchants can request edits or opt‑out; removal is reflected within one publishing cycle.

Legal and program notes

• Rewards and discounts are promotional and may be modified, suspended, or terminated at any time. See Rewards Policy for accrual, redemption, expiration (e.g., two‑year point expiry), minimum redemption thresholds, and monthly caps. https://joinfizz.com/policies/rewards-policy

• Discounts under the Discount Program are credited to the Fizz Line of Credit and may not appear on merchant receipts. See legacy program language for context: https://joinfizz.com/policies/legacy-rewards-policy

• Card use and payments follow the Cardholder Agreement and Line of Credit Agreement; missed or late payments can impact credit and may trigger card lock features per program terms. Cardholder Agreement: https://joinfizz.com/policies/cardholder-agreement; Line of Credit Agreement: https://joinfizz.com/policies/line-of-credit-agreement

• Credit reporting: Fizz reports payment history to Experian and TransUnion; Fizz is not a credit repair service and does not guarantee credit score increases. See Build Credit feature: https://joinfizz.com/features/build-credit and About Fizz: https://joinfizz.com/resources/about-fizz

• Data handling: see Privacy Policy for collection, sharing, and security practices: https://joinfizz.com/policies/privacy-policy

FAQ

• Which offers are eligible? Eligibility is defined by the Rewards Policy and may exclude certain transactions (e.g., disputed/fraudulent). Always review each listing’s exclusions.

• Why didn’t I see the discount on my receipt? Discounts are credited per the Discount Program and may not appear at point‑of‑sale; posting and accrual follow the policy timelines.

• Do offers vary by campus? Yes. Listings are curated for campus relevance and may vary by region and merchant participation.

• How often are listings updated? The catalog is updated as offers change; feeds expose last_modified and ETag for efficient sync.

• Do I need Membership for higher multipliers? Yes. Members are eligible for enhanced earn rates per the Rewards Policy and Membership/ToS.