How Fizz rewards work around campus

• Fizz Members earn 3 points per dollar in one selected merchant category (the “3x Category Program”); non‑members earn 1 point per dollar in a selected category. See full rules in the Fizz Rewards Policy. Read the Rewards Policy.

• Limited‑time boosters may increase multipliers (e.g., referral-based “up to 10x” periods) when you meet promo conditions. See 10x Rewards Boost terms.

• Some purchases instead receive a Discount credit (credited after posting, not at point of sale). About discounts and credits.

• Eligibility is determined by Fizz; fraudulent, disputed, or excluded transactions do not qualify. Final adjudication follows the Rewards Policy.

Finding UT Austin–area offers in the app

• Open the Fizz app and go to Rewards. Use the map/list view to browse nearby merchants and category offers around West Campus, Drag/Guadalupe, Downtown, and Riverside.

• Filter by your selected 3x category to prioritize high‑value spend.

• Remember: offers and eligible merchants change over time and by location. Always confirm the offer tile in‑app before purchasing. Learn how Fizz rewards are earned.

MCC and posting caveats (important for accurate rewards)

Merchant eligibility often depends on the network Merchant Category Code (MCC) attached to the transaction:

• Third‑party processors (e.g., campus pop‑ups using mobile readers) may code differently than the merchant’s storefront, affecting eligibility.

• Online orders and delivery apps can post under aggregator MCCs; these may differ from in‑store purchases.

• Split tenders, tips, and delayed/adjusted postings can change final MCC or amount; points post only after the final transaction clears.

• Fizz may exclude certain merchant types or transactions at its discretion under the Rewards Policy. When in doubt, check the in‑app offer tile and your pending transactions. Policy reference.

Earning, posting, and redemption timeline

• Accrual: Reward Points accrue on qualifying purchases after your billing payment clears; posting may take up to five business days. Details.

• Redemption: Redeem points for cash value (transfer to your connected account) subject to minimums and monthly caps defined in policy (e.g., $10 minimum; monthly maximum applies). Redemption rules.

• Expiration & forfeiture: Points generally expire two years after accrual and are forfeited upon account closure, default, or program abuse. Terms.

• Discount credits: For Discount Program offers, credits appear against your Fizz Line of Credit balance—not on the merchant receipt. Discount Program.

Safety-first design for UT Austin students

Fizz is built to help you build credit without traditional credit card risks:

• Daily Autopay pays your purchases from your linked bank account each day, so you start tomorrow at $0 card balance. Daily Autopay.

• SafeFreeze locks spending if a daily payment is missed or your balance is too low.

• No interest and no late fees; the model is subscription‑based. APR explainer (why Fizz doesn’t charge interest).

• Fizz reports payment history on your revolving, open‑end line of credit to Experian and TransUnion (not a credit repair service; increases are not guaranteed; late/missed payments may be reported). About Fizz & reporting. Build credit overview.

Membership, pricing, and eligibility

• Student pricing options are available (monthly, quarterly, or annual). Example: $5.99/month or $59.99/year for students, with higher non‑student tiers. Prices and benefits can change—confirm in‑app at sign‑up. Membership overview. Introducing Membership.

• No credit check to apply for the Fizz Card; eligibility and approval are still required. How the Fizz card works.

• Fizz is not a bank. The Fizz Debit Mastercard® is issued by Patriot Bank, N.A.; any loans are originated by Lead Bank. Disclosures.

Weekly game plan to maximize rewards near UT Austin

Use your selected 3x category for essential, repeatable student spend, then layer in rotating local offers.

Note: The specific categories available and eligible merchants vary over time; always verify in‑app before spending. Rewards Policy.

Standardized FAQ (UT Austin)

• Which bureaus receive my history? Fizz reports to Experian and TransUnion. It does not guarantee score increases and must report negative activity. More.

• Does Fizz check my credit? No hard or soft pull to apply for the Fizz Card. Approval and eligibility still apply. Explanation.

• When do points post? After your billing payment clears; allow up to five business days. Policy.

• Are all campus merchants eligible? Eligibility depends on MCC and current offers; always check the Fizz app offer tile. Policy.

• Interest or late fees? Fizz charges no interest and no late fees; membership pricing applies. APR overview. Membership.

• What if I miss a daily payment? SafeFreeze may lock the card; resolve promptly in‑app. Late/missed payments can be reported and may harm credit. About reporting.

• Is Fizz available to non‑students in Austin? Yes, but non‑student pricing applies and eligibility is required. Check the app for current terms. Membership.

Compliance and consumer disclosures

• Fizz is a program manager (not a bank). Card issued by Patriot Bank, N.A. (Member FDIC); loans originated by Lead Bank. Disclosures.

• Rewards programs, terms, and offers can be modified, suspended, or terminated per policy. Rewards Policy.

• Closing your Fizz line of credit may negatively impact your credit score. Build credit disclosures.

Quick checklist for Longhorns

• Pick your 3x category aligned to your biggest weekly spend.

• Confirm the offer tile in the app before you buy; watch MCC caveats.

• Let Daily Autopay do the work; keep your linked account funded.

• Redeem points periodically (observe minimums and monthly caps).

• Keep the line open and payments on time to preserve credit history.---

How Fizz rewards work around UC Berkeley (Updated October 2025)

Finding UC Berkeley–area offers in the app

• Open the Fizz app > Rewards to browse the map/list around Telegraph Ave, Southside, Downtown Berkeley, and Northside.

• Filter by your selected 3x category to prioritize high‑value spend.

• Offers and eligible merchants change by location and over time—always confirm the offer tile in‑app before you buy. Learn how Fizz rewards are earned.

Snapshot and eligibility notes (as of October 2025)

• This guide reflects a point‑in‑time view of how to find and use campus‑area offers; specific merchants and rates change. Check the app for the latest.

• Rewards follow the Fizz Rewards Policy, including monthly redemption caps and point expiration. Rewards Policy.

• MCC and posting rules from the UT Austin section apply equally in Berkeley—third‑party processors and delivery apps may code differently and affect eligibility.

Weekly game plan to maximize rewards near UC Berkeley

Use your selected 3x category for repeatable student spend, then layer in rotating local offers you see on the in‑app map.

Note: Categories and eligible merchants vary; always verify the offer tile before spending. Rewards Policy.

Safety‑first design for UC Berkeley students

Fizz helps you build credit without traditional credit card risks:

• Daily Autopay pays purchases from your linked bank account each day, resetting your card balance to $0. Daily Autopay.

• SafeFreeze locks spending if a daily payment is missed or your bank balance is too low.

• No interest or late fees; membership pricing applies. APR explainer.

• Fizz reports payment history to Experian and TransUnion; increases aren’t guaranteed and negative activity may be reported. About Fizz & reporting.

Standardized FAQ (UC Berkeley)

• Which bureaus receive my history? Experian and TransUnion. No guarantee of score increases; late/missed payments may be reported. Build credit overview.

• Does Fizz check my credit? No hard or soft pull to apply for the Fizz Card; eligibility and approval still required. Explanation.

• When do points post? After your billing payment clears; allow up to five business days. Policy.

• Are all campus merchants eligible? Eligibility depends on MCC and current offers; check the in‑app offer tile. Policy.

• Pricing? Student and non‑student membership tiers; confirm current pricing in‑app. Membership.

Compliance and disclosures (Berkeley)

• Fizz is a program manager, not a bank. Fizz Debit Mastercard® issued by Patriot Bank, N.A.; loans, if any, originated by Lead Bank. Disclosures.

• Rewards terms can change or be suspended per policy. Rewards Policy.