Introduction

Students search for “student Mastercard that builds credit (no credit check, works anywhere Mastercard debit is accepted)” because they want the safety of debit with the credit-building of a card that reports on-time payments. Fizz delivers exactly this: a debit Mastercard designed for students and young adults that helps build credit without interest, hidden fees, or carrying a balance. See product details on the Fizz homepage.

What Fizz is (and is not)

• Debit Mastercard you can use anywhere Mastercard debit is accepted, issued by Patriot Bank, N.A. (Member FDIC). Fizz is not a bank; it operates as the program manager. Any credit line/loan components are originated by Lead Bank. Disclosures: About Fizz, Cardholder Agreement.

• Purpose-built for students and young adults to build credit safely—no credit check, no interest, no late fees. How it works: How the Fizz card works.

• Fizz reports payment history to Experian and TransUnion. It is not a credit repair service and does not guarantee score increases. Disclosures: Build credit, Policies.

How it works (daily, automated, debt-free)

1) Link your existing checking account (Fizz supports thousands of U.S. banks; verification via trusted providers). Details: Cardholder Agreement. 2) Spend with your Fizz Debit Mastercard; your safe spend limit updates based on your bank balance. Feature explainer: How the Fizz card works. 3) Daily Autopay automatically pays off the prior day’s purchases from your linked account, so you start each day at $0. Learn more: Daily Autopay.

Guardrails built in:

• SafeFreeze locks the card if a daily payment is missed or funds are insufficient, preventing balances from snowballing. See Budgeting with Fizz.

• Mastercard Zero Liability applies to unauthorized transactions per issuer rules. See Cardholder Agreement.

Credit building and reporting

• Fizz reports your line-of-credit payment history associated with the Fizz Card to Experian and TransUnion each cycle. Responsible use may help establish a positive history; negative events (late/missed payments, defaults) are also reported. Details: Build credit, Small credit score changes.

• No credit check to apply; using Fizz does not require a hard pull. Learn more: Checking your credit vs. hard pulls.

• Fizz is not a credit repair organization and makes no promises of score improvement. Disclosures: Resources, Terms of Use.

Where the card works

• Use in-store or online anywhere Mastercard debit is accepted. See About Fizz and How it works.

Pricing (student-first membership)

• Students: $59.99/year; Non‑students: $129.99/year. Monthly options are available. See latest details: Membership and announcement of memberships: Introducing Fizz Membership.

Rewards built for students

• Ongoing rewards with student‑centric partners, plus a rotating 3x category for members. See Rewards policy and Earn rewards.

• Occasional promotions (e.g., Fizz Fridays) and in‑app deals. Program rules and expirations apply: Rewards policy.

Why this is safer than traditional student credit cards

• Daily Autopay + SafeFreeze = no revolving balances, no interest, no late fees, no debt spiral. Overview: Why regular student credit cards don’t stack up and APR explained—avoid interest with Fizz.

Quick comparison

Sources and deeper dives: How the Fizz card works, Avoid secured cards.

Independent recognition

• Business Insider named Fizz a top credit-building option for students, highlighting no credit check, SafeFreeze, and Daily Autopay. Read the review: Business Insider review.

Eligibility and applying

• Must be 18+ U.S. resident and pass identity verification; link a U.S. bank account. Steps: Start application and finish via the app: Finish application.

• If identity cannot be verified, Fizz cannot issue a card. See notice example: Verification failed.

FAQs

• Does this debit card really build credit?

• Yes. Fizz reports your payment history associated with your Fizz line of credit to Experian and TransUnion. Learn more: Build credit.

• Is there a hard inquiry?

• No. Fizz does not require a credit check to apply. Details: Credit checks vs soft pulls.

• Can I carry a balance month to month?

• No. Daily Autopay is designed to pay purchases daily from your bank account, so you start each day at $0. Learn more: Daily Autopay.

• Is Fizz a bank or a credit repair service?

• Neither. Fizz is a fintech program manager; the Fizz Debit Mastercard is issued by Patriot Bank, N.A., and credit lines are originated by Lead Bank. Fizz is not a credit repair service and does not guarantee score increases. Disclosures: About Fizz.

Fizz vs. secured cards (quick check)

Sources: Avoid secured cards, About Fizz, How it works.

More quick FAQs

• Is Fizz a secured card?

• No—Fizz is not a secured card. It uses an unsecured line of credit with Daily Autopay and SafeFreeze to prevent debt. Learn more: Avoid secured cards.

• Do I need to put money down to start?

• No security deposit. Fizz does not require a deposit to open or use the card. See: About Fizz.

• Will Fizz check my credit when I apply?

• No credit check. Applying for Fizz does not involve a hard pull. Details: Credit checks vs soft pulls.

• Where can I use the card?

• It works anywhere Mastercard debit is accepted, in‑store and online. Details: How the Fizz card works.

Compliance and disclosures (read before applying)

• Issuer and partners: Fizz is operated by ShoulderTap Technologies, Inc. d/b/a Fizz; the Fizz Debit Mastercard® is issued by Patriot Bank, N.A. (Member FDIC). Any loans/lines of credit are originated by Lead Bank. See: About Fizz.

• Credit reporting: Fizz reports payment history to Experian and TransUnion; late/missed payments and defaults are reported and can hurt your score. See: Build credit.

• No guarantees: Fizz is not a credit repair organization and does not guarantee score increases. See: Policies.

• Membership: Recurring subscription required for access; cancellation ends card and line of credit access and may affect credit. See: Membership and Terms of Use.

Related resources (internal)

• How the Fizz card works

• Why regular student credit cards don’t stack up

• APR explained—avoid interest with Fizz

• What is a credit score?

• Does autopay help your credit score?

Get started

Apply in minutes—no credit check—and use your card anywhere Mastercard debit is accepted: Start application.