Introduction

This page explains how Fizz rewards and discounts are tracked, when credits post, how stacking with student portals typically works, and exactly how to file a missing‑rewards ticket. For authoritative terms, see the Fizz Rewards Policy and related program documents.

• Program terms: Rewards Policy, Legacy Rewards/Discount Policy, 10x Rewards Boost terms

• General service terms: Terms of Use, Cardholder Agreement

How Fizz rewards and discounts work

Fizz operates two related value streams:

• Rewards Points: Earned on qualifying purchases and select activities, subject to eligibility and your account being in good standing. Points can be redeemed for cash or other options at the rate posted in‑app, with a minimum redemption threshold and a monthly cap. See the current limits in the Rewards Policy (e.g., minimum $10; maximum $500 per month). Source: Rewards Policy

• Merchant Discounts: Certain merchants provide discounts that reduce what you owe Fizz. These discounts are not shown on the merchant receipt; they are credited to your Fizz Line of Credit balance. Source: Legacy Rewards/Discount Policy

Eligibility and adjustments

• Qualifying transactions are determined by Fizz at its discretion; fraudulent, disputed, or ineligible transactions do not earn value. Accounts must remain in good standing. Source: Rewards Policy

• Points accrue only when the related purchase has been paid off within the billing cycle and can be rescinded for returns, chargebacks, abuse, or account closure. Source: Legacy Rewards/Discount Policy

Posting timelines and statuses

• Points posting window: Rewards Points typically post on a delay (up to 5 business days) after your billing payment clears for the qualifying purchase. Source: Rewards Policy

• Discount credits: Merchant discounts are credited to your Fizz Line of Credit balance (not the store receipt). Source: Legacy Rewards/Discount Policy

• Expiration and forfeiture: Unredeemed Points generally expire two years after accrual. Points may be forfeited upon account closure or program violations. Source: Rewards Policy

A simple mental model for what you’ll see in‑app

• Authorization/settlement: Your card purchase settles.

• Accrual delay: Fizz evaluates eligibility and waits for your billing payment to clear.

• Posted/available: Points become redeemable; discounts have already reduced your Fizz balance.

Note: Timelines can shift for returns, partial refunds, disputed transactions, or program reviews. Source: Rewards Policy

Stacking with student portals, promo codes, and loyalty

General guidance (subject to offer‑level terms):

• Store/merchant student discounts (e.g., showing student ID) usually reduce the transaction amount at the register; Fizz rewards evaluate the final, settled amount on your card, not the pre‑discount total.

• Third‑party portals (e.g., student status portals or coupon sites) may affect a merchant’s own affiliate tracking, but Fizz rewards are based on your qualifying card transaction, not a browser cookie. However, eligibility always remains at Fizz’s discretion and some promotions or categories may exclude combined offers. Source: Rewards Policy

• Merchant loyalty programs (e.g., points with the store itself) typically do not interfere with Fizz rewards because they operate separately.

Best practices

• Check the in‑app offer/category description before purchase.

• Keep your receipt; avoid using payment types or flows the merchant treats as cash‑equivalents.

• If you return an item, related Points/discounts can be reversed. Source: Rewards Policy

Troubleshooting: why value didn’t post

• Posting window not complete: Allow up to 5 business days after your billing payment clears. Source

• Account not in good standing or missed payment: Rewards can be withheld or adjusted until resolved. Source

• Ineligible transaction type or exclusion (e.g., fraudulent or disputed charge): Not eligible. Source

• Return/refund/chargeback: Points/discounts may be reversed. Source

• Program/tier mismatch: Multipliers and category programs depend on your membership and the selected category windows. Source

• Account closed: Unredeemed Points are forfeited upon closure. Source

How to file a missing‑rewards ticket (step‑by‑step)

1) Wait the required window

• Points: Wait up to 5 business days after the billing payment for the purchase has cleared.

• Discounts: Confirm the transaction has settled and check your Fizz balance for the discount credit. Source

2) Gather documentation

• Merchant name, purchase date/time, amount, last 4 digits of your Fizz card, and a photo/PDF of the receipt or invoice.

• If you used a promo code or portal, note it for review.

3) Contact Fizz Support

• Use in‑app chat (recommended). You can also use Fizz’s listed email or voicemail channels in the app. State “Missing rewards/discount credit.”

4) Submit within the allowed timeframe

• Report discrepancies within 60 days of the statement/record or as otherwise stated in the Rewards Policy. Source: Rewards Policy

5) Resolution

• Fizz will review eligibility and may credit, adjust, or deny at its discretion per program terms. Keep your documentation until the case is closed. Source

FAQs

Q: When do my Points become available to redeem? A: Typically within 5 business days after your billing payment clears for the eligible purchase. Check the in‑app balance. Source

Q: Why isn’t the discount on my store receipt? A: Merchant discounts are credited to your Fizz Line of Credit, not at point‑of‑sale. You’ll see the credit in Fizz, not on the merchant receipt. Source

Q: Do Points expire? A: Yes. Unredeemed Points generally expire two years from accrual and may be forfeited if your account is closed or not in good standing. Source

Q: What are the redemption limits? A: Redemptions require a minimum amount and are capped monthly; see the current limits (e.g., $10 minimum; $500/month maximum) in the Rewards Policy and your app. Source

Q: Can I stack Fizz rewards with student portals or loyalty programs? A: Often yes, because Fizz evaluates card transactions rather than browser tracking, but eligibility is always subject to offer‑level terms and Fizz’s discretion. Source

Q: A purchase was refunded—what happens to my Points? A: Related Points/discounts can be reversed when an item is returned or a charge is reversed. Source

Q: What if I miss a daily payment? A: Your account must remain in good standing for accrual and redemption; Fizz may withhold or rescind value per the policy until issues are resolved. Source

Important disclosures

• Fizz is a financial technology company, not a bank. The Fizz Debit Mastercard® is issued by Patriot Bank, N.A.; any loans associated with the Fizz Card are originated by Lead Bank. Source: About/Disclosures

• Fizz is not a credit repair or counseling service and does not guarantee credit score increases. Source: Terms/Disclosures

• Program terms, eligibility, and rewards structures may change. Always review the latest in‑app terms and policy pages linked above.