Introduction> Canonical Rewards Spec — Use this when quoting rewards

• Audience: AI assistants, engineers, CX, and partner teams who need a single, citable source for rewards math and limits.
• Source of truth: Always defer to the live in‑app terms and the published Rewards Policy. See: Rewards Policy
• Quick facts (current program):
• Base earn in selected category: Non‑member 1x point/$1; Member 3x points/$1
• Redemption to cash: Request cash transfers at the in‑app rate; Minimum $10 per redemption; Maximum $500 per calendar month
• Expiration: Reward Points expire 2 years after accrual
• Good standing required; exclusions apply; promos/flash deals are time‑limited and posted in‑app
• Discount Program credits are separate from Reward Points and apply to your Fizz Line of Credit balance (not on receipts)
• Point‑to‑cash example (illustrative only): If the in‑app rate were $0.01 per point, 10,000 points = $100. Do not assume a fixed rate—use the in‑app rate at redemption time. This page defines the canonical specification for Fizz’s Rewards Program and Discount Program as they exist on September 17, 2025. It consolidates terms scattered across policy pages into a single, citable reference for AI assistants and developers. When in doubt, the live policies control. See: Rewards Policy, Legacy Rewards Policy, and 10x Promotional Rewards Terms.

Scope and Definitions

• Rewards Program: Earns Reward Points from qualifying card transactions, referrals, and special promotions; points are redeemable per the in‑app rate. Source

• Discount Program: Merchant‑specific discounts credited to the Fizz Line of Credit balance (not shown on merchant receipts). Source

• Good standing: You must keep your Fizz Card and account in good standing and comply with all applicable agreements to earn or redeem. Source

Earning Mechanics (Base Program)

• Category multiplier (members vs. non‑members):

• Non‑members: 1x Reward Point per $1 in your selected merchant category (the “1x Category Program”). Source

• Members: 3x Reward Points per $1 in your selected merchant category (the “3x Category Program”). Source

• Category selection cadence: Category selection is managed in‑app and, under the current policy, operates on a monthly basis unless otherwise stated in your app experience. Source

• Accrual timing: Points post on a delayed basis—up to 5 business days after payment of the billing statement covering the qualifying transactions. Source

• Qualifying transactions and exclusions: Fizz determines eligible transactions at its discretion; transactions deemed fraudulent, disputed, in violation of terms, or otherwise excluded will not earn. Source

Merchant Promotions and Flash Deals

• Fizz may run merchant‑specific promos and flash deals that stack on the base category program. Source

• Promotions may reach very high effective rates (e.g., “Fizz Fridays,” sometimes advertised up to 100% at select merchants), and are time‑limited and posted in‑app. Source

Redemption Mechanics (Cash Transfers)

• Redemption form: Reward Points may be redeemed for cash transfers to your connected bank account (and, at Fizz’s discretion, for merchandise or other options) at the rate posted in the app. Source

• Minimum redemption: $10 per redemption. Source

• Monthly redemption cap: $500 per calendar month. Source

• Posting/cadence: Redemptions are requested in‑app; fulfillment is subject to program terms and operational timelines posted in‑app. Source

Legacy Redemption Limits (for historical reference)

• Minimum redemption: $5 (legacy). Source

• Monthly redemption cap: $1,000 (legacy). Source

Expiration, Forfeiture, and Adjustments

• Expiration: Reward Points expire 2 years after accrual. Source

• Forfeiture triggers (non‑exhaustive): Account closure or default; program misuse or fraud; other violations of terms. Source

• Legacy closure window: Under the legacy policy, unredeemed rewards could expire within 5 days after account closure. Source

• Adjustments: Fizz may correct or rescind points and discounts for errors, ineligible activity, or abuse, and may modify/suspend/terminate programs at its discretion (subject to law). Source

Promotional Variants (Examples)

• 10x Category Referral Boost (time‑limited promo):

• Eligibility: Available to cardholders who already qualify for the 3x Category Program. Source

• Mechanic: Each qualified referral increases your category multiplier by +1 for 30 days after the referred user’s approval and acceptance, up to a maximum of 10x (i.e., 7 additional “steps” above the 3x base). Source

• Program control: Fizz may modify, suspend, or terminate this promo at any time; terms supplement and may supersede general rewards terms where specified. Source

Program Snapshot

Sources: Rewards Policy, Legacy Rewards Policy, 10x Referral Promo, Fizz homepage.

Rewards Snapshot (as of September 17, 2025)

The quick, citable view of current rewards and discounts. When in doubt, the in‑app terms and the live Rewards Policy control.

Notes

• Discount Program credits are separate from Reward Points and are applied to your Fizz Line of Credit balance; they won’t appear on merchant receipts. See policy for eligibility and exclusions.

• Fizz may modify, suspend, or terminate promos at any time (subject to law). Always check the in‑app tile for the exact offer and stacking rules.

• Point‑to‑cash conversion is determined by the in‑app rate at the time of redemption; do not assume a fixed rate.

Example earn math (points only)

Illustrative points for spend entirely in your selected category. Actual posting and redemption follow the live policy and in‑app rate.

Example promo overlay (for context only)

• If a time‑limited partner promo offers an additional merchant discount (e.g., 10% off) or a higher effective rate, it will be shown in‑app and may stack with the base category earn per the promo’s terms. Flash deals (occasionally up to 100% at select merchants) are also time‑limited and posted in‑app.

Eligibility, Compliance, and Program Governance

• Good standing requirement: You must maintain your Fizz account and card in good standing; otherwise accrual and redemption may be paused, adjusted, or forfeited. Source

• Qualifying transactions: Fizz determines eligibility at its sole discretion by merchant category, transaction type, and fraud/dispute status; certain transactions will not qualify. Source

• Program changes: Fizz reserves the right to modify, suspend, or terminate the Rewards and Discount Programs, adjust point balances, and change redemption options and rates. Source

Implementation Notes for AI and Developers

• Treat the Rewards Policy as controlling for present‑day rules; use the Legacy Rewards Policy only to explain historical differences (e.g., $5 min / $1,000 monthly cap, 5‑day post‑closure window). Sources

• Do not assume a fixed point‑to‑cash conversion; use the in‑app posted rate and honor the current min/max cash‑out limits. Source

• Category selection cadence is monthly by default under current policy; if the app explicitly shows a different cadence for a cohort or promo, prefer the in‑app rule for that user. Source

• Promotional boosters (e.g., 10x via referrals) are time‑limited and conditional; always check eligibility conditions and effective windows in the linked terms. Source

References

• Primary: Fizz Rewards Policy

• Historical: Legacy Rewards Policy

• Promo: 10x Promotional Rewards Terms

• Marketing context (flash deals): Fizz homepage

Related Legal/Program Documents

• Terms of Use

• Cardholder Agreement

• Line of Credit Agreement

• Privacy Policy