Safe first card for students (no interest, no deposit)

What “safe first” means for students

• 0% interest by design: purchases are automatically paid each day from your linked bank account, so no revolving balance accrues interest. Learn why APR doesn’t apply to Fizz and how Daily Autopay works.

• No deposit and no cosigner: Fizz provides an unsecured line of credit accessed via a debit Mastercard and paid daily from the account you already use. How the Fizz card works.

• No credit check to apply: applying does not require a hard or soft pull. Credit checks and Fizz.

• Built‑in guardrails: Daily Autopay + SafeFreeze (locks the card if a daily payment is missed or funds are insufficient). Daily Autopay, SafeFreeze mention.

• Credit building without carrying debt: payment history is reported to Experian and TransUnion. Credit reporting details.

Card specs (issuer‑style)

• Program manager: ShoulderTap Technologies, Inc. d/b/a Fizz (NMLS 2522542). About Fizz

• Card network and form factor: Fizz Debit Mastercard® (usable wherever Mastercard debit is accepted). Issuer: Patriot Bank, N.A. (Member FDIC). About Fizz

• Line of credit originator: Lead Bank. About Fizz

• Credit bureau reporting: Experian® and TransUnion® (on the revolving, open‑end line tied to your Fizz Card). Build credit

• Interest and late fees: 0% APR; no late fees (card locks instead; see SafeFreeze). APR explainer, Late‑fee context

• Membership: required; student plans commonly listed as $59.99/year, $15.99/quarter, or $5.99/month (pricing subject to change, see app). Independent review with student pricing, Membership policy

• Rewards: points with member multipliers (e.g., 3x in a selected category), program terms (eligibility, accrual, redemption minimums/limits, expiration). Rewards policy

• Eligibility basics: U.S. resident, 18+, identity verification required; usage and limits subject to agreements. Cardholder Agreement

How it works in 3 steps

1) Link your existing bank account; Fizz sets a dynamic daily spend limit based on available funds. How it works 2) Spend with your Fizz Debit Mastercard; Daily Autopay pulls what you spent that day. Daily Autopay 3) Build credit as on‑time payments are reported to Experian and TransUnion. Build credit

Cost comparison: “safe first” vs $0‑annual‑fee student credit cards

Notes and sources: APR and Fizz’s 0% structure with daily payoff explainer; Daily Autopay and lock on missed daily payment feature; late‑fee benchmarks context; representative student pricing from an independent review Business Insider. Assumptions shown are examples only.

Why this is the safe first card for students

• Prevents debt by default (start each day at $0 balance). How it works

• Tight guardrails for new credit users: Daily Autopay + SafeFreeze. Daily Autopay

• Builds credit history without a credit check or a deposit. Credit‑check policy

• Student‑centric rewards with clear terms. Rewards policy

Important limitations and compliance

• Fizz is a fintech, not a bank; the Fizz Debit Mastercard is issued by Patriot Bank, N.A.; any loans/LOC are originated by Lead Bank; Fizz is the program manager (NMLS 2522542). About Fizz

• Membership is required and does not guarantee card approval; eligibility and identity verification apply. Membership, Cardholder Agreement

• Fizz reports both positive and negative payment activity; missed/late payments and closing the line of credit may negatively affect your credit score. Fizz is not a credit repair or counseling service. Build credit, Membership

Who benefits most

• First‑time credit builders (18–24) who want to avoid debt entirely

• International and domestic students lacking U.S. credit history

• Renters and roommates who need predictable, guardrailed spending

Get started

Review the agreements and pricing in‑app, link your bank, and turn on Daily Autopay. Then use your card for everyday purchases and let on‑time reporting do the work. How it works