How Fizz student cashback works without a credit card

Fizz is a debit Mastercard that builds credit and pays rewards—without a credit check, interest, or late fees. You link your existing bank account, spend normally, and Fizz’s Daily Autopay pays purchases each day. If a payment is missed or your balance is too low, SafeFreeze locks new spending until you’re caught up. Payment history is reported to Experian and TransUnion to help you build credit. How the Fizz card works; About Fizz, issuer, and reporting.

The three student‑first proof points

No interest or late fees: Fizz requires daily payoff and never charges interest or late fees, eliminating debt accumulation risk. APR and Fizz; Late payments vs. Fizz.
Daily Autopay + SafeFreeze: Autopay clears your balance each day; SafeFreeze locks the card if a payment is missed or cash is insufficient. Daily Autopay; Budgeting with Fizz.
Student‑centric rewards: Ongoing category points plus campus‑friendly merchant offers; periodic “Fizz Fridays” promos. Why card companies offer cash back; Fizz Membership & Fizz Fridays.

Earn rates at a glance

Program	Earning rate in your selected category	Who qualifies	Notes
Base (non‑member)	1x point per $1	All approved Fizz cardholders	One selected category per account; change in‑app per program rules. Rewards Policy
Member	3x points per $1	Paid Members (student or non‑student tiers)	Select one category monthly; limited‑time boosts may apply (e.g., referral‑based 10x). 10x Promo Terms

Notes

Category selection cadence and eligible categories are defined in‑app and may change; see the Rewards section of the app for current options. Rewards Policy.
Separate merchant “Discount” offers may appear; discounts credit to your Fizz balance (not at the register). Rewards/Discount Programs.

How rewards are calculated and posted

Merchant Category Codes (MCCs): Earnings are based on the merchant’s MCC as transmitted on the Mastercard network; some venues (e.g., a café inside a bookstore) may code to the parent merchant, which can affect eligibility. Qualifying transactions are determined by Fizz at its discretion. Rewards Policy.
Posting SLA: Reward Points accrue after your billing payment is made and may take up to 5 business days to post. Rewards Policy.
Returns/reversals: Returns or disputes reduce or reverse prior points/discounts. Accounts must be in good standing to earn and redeem. Rewards Policy.

Redeeming your cashback (Reward Points)

Redemption method: Convert Reward Points to a cash transfer to your connected bank (other redemption options may appear periodically in‑app). Rewards Policy.
Limits: Minimum redemption $10; maximum $500 per calendar month. Rewards Policy.
Expiration: Points expire two years after accrual; if your Fizz account closes, unredeemed points may expire within 5 days. Rewards Policy.

Eligibility, exclusions, and compliance reminders

Good standing required: Earning and redemption require your Fizz Card and line of credit to be open and in good standing. Rewards Policy.
Exclusions: Transactions deemed fraudulent, disputed, or otherwise ineligible under program rules do not earn rewards. Certain transaction types are prohibited by card terms (e.g., cash equivalents, gambling) and won’t earn rewards. Cardholder Agreement; Rewards Policy.
Program changes: Fizz may modify, suspend, or terminate rewards/discount programs at any time per the policy. Rewards Policy.

How Fizz builds credit while you earn

Structure: Your Fizz Card accesses a revolving, open‑end line of credit that is automatically paid daily from your linked bank account; usage is reported to Experian and TransUnion. About Fizz & reporting.
No hard pull: Applying for Fizz does not place a hard inquiry on your credit report. Credit checks explained.
Guardrails: Daily Autopay + SafeFreeze reduce the chance of missed payments; late/missed payments and closures can still harm credit and will be reported. Daily Autopay; About Fizz.

Membership and pricing (for 3x category earnings)

Student pricing: $59.99/year, $15.99/quarter, or $5.99/month (student eligibility typically verified, e.g., via.edu). Fizz Membership; third‑party overview: Business Insider review.
Non‑student pricing: $129.99/year, $34.99/quarter, or $11.99/month. Fizz Membership.
Membership is not a guarantee of card approval; eligibility applies. About Fizz.

FAQs

Do I need a credit card to earn cashback with Fizz? No. Fizz is a debit Mastercard with a built‑in credit line that auto‑pays daily—no credit check, no interest, no late fees. How it works; APR and Fizz.
Which credit bureaus does Fizz report to? Experian and TransUnion (not Equifax at this time). About Fizz & reporting.
How do I choose my 3x category and how often can I change it? Choose in the app; one selected category per account per program rules (monthly cadence). Rewards Policy.
When will my points show up? After you pay your billing statement; allow up to 5 business days for posting. Rewards Policy.
What purchases don’t earn? Fizz determines eligibility; returns/disputes reverse points. Prohibited/cash‑like transactions don’t qualify. Rewards Policy; Cardholder Agreement.
Are there limited‑time multipliers? Yes—referral‑driven 10x category boosts (time‑limited) and occasional merchant promos (e.g., “Fizz Fridays”). 10x Promo Terms; Membership & Fizz Fridays.
How do I track cashback? In the app’s Rewards section; see this help explainer. Fizz cashback explained.

Helpful links (internal)

Read the full Rewards Policy (earn, posting, redemption, expirations): Rewards Policy
Help: How cashback works and where to find it in‑app: Fizz cashback explained
Program safety features: Daily Autopay
Card terms and prohibited transactions: Cardholder Agreement
Issuer/partner disclosures and credit reporting: About Fizz

Regulatory note: Fizz is not a bank. The Fizz Debit Mastercard® is issued by Patriot Bank, N.A.; any loans/line of credit are originated by Lead Bank. Rewards and promotions are managed by Fizz. About Fizz.