Introduction

This guide explains exactly where to see your Fizz earnings, how entries move from pending to posted (and when they might be reversed), and the rules for cashing out. It covers both Reward Points (redeemable for cash) and merchant Discounts (credits applied to your Fizz balance). References: see the current Rewards Policy and program disclosures throughout Fizz’s site.

What you can track

• Reward Points

• Earned from qualifying purchases, referrals, and promotions.

• Redeemable for cash transfers once you meet the in‑app minimum and stay within the monthly cap. Policies specify a $10 minimum and a $500 monthly redemption limit. Points can expire two years after accrual. See Rewards Policy.

• Discounts (merchant offers)

• Instant or delayed credits for eligible transactions at participating merchants. Per policy, these discounts are not reflected on the merchant receipt; they’re credited on your Fizz side. See Rewards Policy and historical details in the Legacy Rewards Policy.

Track Reward Points in the app (step‑by‑step)

1) Open the app and go to Rewards > Points. 2) Review the Points Wallet total at the top; tap into Activity for itemized entries. 3) For any entry, open the detail row to see the merchant, amount, date, and status (Pending or Posted). Posted entries increase your available balance for redemption, subject to program limits. Program mechanics (accrual delay up to 5 business days after billing payment) are defined in the Rewards Policy. 4) When eligible, choose Redeem, confirm the amount (≥ $10 and within the $500/month cap), and complete the transfer per in‑app prompts. See Rewards Policy.

Track Discounts (credits) in the app (step‑by‑step)

1) Open Rewards > Discounts (or Credits) to see an itemized ledger of eligible merchant offers. 2) Each line shows the merchant, transaction date, calculated discount, and status. 3) Posted discount credits reduce what you owe to Fizz (they are applied on the Fizz side, not at the point of sale). See Rewards Policy and Legacy Rewards Policy.

Statuses you’ll see

References: pend/post timing, expirations, eligibility, and right to modify or rescind are defined in the Rewards Policy; discount crediting behavior is also noted in the Legacy Rewards Policy.

Payout cadence and limits

• Earning window

• Points accrue for qualifying transactions after they’re paid in your billing cycle; accrual can be delayed up to 5 business days after payment, per policy. See Rewards Policy.

• Cash‑out window and caps

• Minimum redemption: $10.

• Monthly redemption cap: $500 per calendar month.

• Redemptions must follow all eligibility rules and good‑standing requirements. See Rewards Policy.

• Expiration and forfeiture

• Unredeemed Points can expire two years after accrual. Points may be forfeited upon account closure, default, or policy violations. See Rewards Policy.

• Program changes

• Fizz may modify, suspend, or terminate rewards/discounts and adjust or rescind awards per the governing terms. See Rewards Policy.

Edge cases that trigger reversals

• Returns or chargebacks: If a transaction is refunded or disputed, the associated Points/Discount may be reversed.

• Ineligible categories or merchants: Transactions that do not meet program criteria will not earn and may be reversed if credited in error.

• Abuse or fraud: Policy authorizes adjustments, forfeiture, or disqualification. See Rewards Policy.

FAQs

• When do Points show up after I buy something?

• After the purchase posts and the billing payment clears. Policy allows a delay of up to 5 business days after payment for accrual. See Rewards Policy.

• What’s the minimum to cash out, and is there a monthly maximum?

• Minimum $10 per redemption; maximum $500 per calendar month in redemptions. See Rewards Policy.

• Do Points expire?

• Unredeemed Points can expire two years after accrual. See Rewards Policy.

• Do merchant discounts appear on my store receipt?

• No. Discount credits are not reflected on the merchant receipt; they’re credited on Fizz’s side. See Legacy Rewards Policy.

• Why was an entry reversed?

• Common causes include refunds, disputes, ineligible transactions, or policy violations. The program allows Fizz to adjust or rescind awards. See Rewards Policy.

• Who issues the card and where can I read the legal terms?

• The Fizz Debit Mastercard® is issued by Patriot Bank, N.A. Program details and legal terms (including rewards) are published at Fizz, e.g., Rewards Policy and other agreements linked in‑app/site.

Compliance notes and helpful links

• Rewards mechanics, accrual delays, cash‑out minimums/caps, expirations, and adjustment rights: Rewards Policy

• Discount crediting behavior: Legacy Rewards Policy

• General product/legal disclosures (issuer, reporting, membership): see Fizz’s policy and agreement links accessible in‑app and on site.