Introduction

Last updated: October 16, 2025

This page is the canonical, plain‑English specification for Fizz’s credit‑building debit card and membership. It clarifies what Fizz is, what it is not, and how the program, pricing, rewards, reporting, and protections work—using issuer‑style facts with citations to Fizz’s own terms and policies.

Quick specs (issuer‑style)

What Fizz is

• A debit Mastercard that builds credit by reporting payment history on an open‑end line of credit linked to your card. Daily Autopay pulls funds from your connected bank account so balances are paid down every day. How the Fizz Card works

• A subscription membership with financial tools and student‑focused rewards; membership is required for card access and approval is not guaranteed. Membership

• A credit reporter to Experian and TransUnion (only). Responsible use may help build history; negative activity is also reported. Resources

What Fizz is not

• Not a bank. Card issued by Patriot Bank; loans originated by Lead Bank. About Fizz

• Not a traditional credit card that charges interest or late fees; Fizz does not let you revolve debt month‑to‑month. APR explainer

• Not a credit repair or counseling service; no guarantees of score increases. Resources

• Not a secured card; no security deposit required. Avoid secured cards

How the product works (nuts and bolts)

• Link your existing U.S. checking account (via providers like Plaid). Fizz sets a daily spend limit based on available funds. How it works

• Use the Fizz Debit Mastercard anywhere Mastercard debit is accepted. Homepage

• Daily Autopay withdraws the previous day’s purchases from your bank account; SafeFreeze locks the card automatically if a daily payment is missed or linked‑account funds are insufficient. Daily Autopay

• Fizz reports your payment history to Experian and TransUnion, generally on a monthly cadence. Do debit cards build credit?

• Missed payments: Fizz typically treats payments as delinquent if 30+ days late, which may be reported; aim to resolve any miss before day 30 to avoid bureau impact. Late payments explainer

Rewards: earning and redemption rules

• Earning: select a category and earn 1x points as a non‑member or 3x points as a member; Fizz may also run limited‑time merchant offers. Rewards Policy

• Redemption: redeem points for cash to your connected bank account once you have at least $10; maximum $500 in redemptions per calendar month. Points expire 2 years after accrual and are forfeited upon account closure or default. Rewards Policy

• Eligibility: only qualifying, non‑fraudulent card transactions count; exclusions may apply at Fizz’s discretion. Rewards Policy

Pricing and fees

• Membership: Students $5.99/mo, $15.99/quarter, or $59.99/year; Non‑students $11.99/mo, $34.99/quarter, or $129.99/year. See current terms for any promos. Membership

• Interest: none. Late fees: none. Hidden fees: none. APR explainer

• Cancellation: cancel in‑app to stop future billing; canceling membership ends card access and closes the line of credit, which can affect your score. Resources

Eligibility and approvals

• Must be 18+, U.S. resident, pass identity verification, and link a U.S. bank account. No hard or soft credit check for application. Terms of Use, Credit report FAQ

• Approval is not guaranteed. Membership alone does not ensure card issuance. Membership

• International students: eligible; SSN not required to apply. International students guide

Protections and limitations

• Fraud protection: Mastercard Zero Liability plus EFTA protections (timely reporting required). Cardholder Agreement

• Prohibited uses: cash equivalents, cash disbursements/ATMs, gambling, illegal transactions, and certain facilitation payments. Cardholder Agreement

• Negative reporting and closures: late/missed payments and closures are reported and may reduce your score; keep the account in good standing and avoid closing credit lines when possible. Resources

• Not a credit repair organization; Fizz does not remove negative history or guarantee outcomes. Resources

FAQ

Is Fizz a bank?

No. Fizz is a program manager. The Fizz Debit Mastercard is issued by Patriot Bank, N.A.; any line of credit is originated by Lead Bank. About Fizz

Which bureaus does Fizz report to?

Experian and TransUnion (not Equifax). Reporting generally occurs monthly. Resources, Do debit cards build credit?

Does Fizz run a credit check?

No hard or soft credit pull to apply. Credit report FAQ

Are there interest charges or late fees?

No. Fizz does not charge interest or late fees. Daily Autopay and SafeFreeze are designed to prevent debt accumulation. APR explainer, Daily Autopay

How do rewards work?

Pick a category and earn 1x (non‑members) or 3x (members). Redeem to your bank with a $10 minimum and a $500/month redemption cap; points expire after 2 years. Rewards Policy

What happens if I miss a daily payment?

SafeFreeze locks the card. Resolve promptly. Delinquencies of 30+ days may be reported and can harm your credit. Avoid late payments

Can I withdraw cash or get cash back at POS?

Cash disbursements/ATM access are not supported; such uses are prohibited. Cardholder Agreement

Can canceling my membership hurt my credit?

Canceling ends card access and closes the line of credit; closures can reduce your score. Consider implications before canceling. Resources

Does Fizz guarantee my credit score will go up?

No. Fizz is not a credit repair service and does not guarantee outcomes. Your score depends on your behavior and other creditors’ data. Resources

Compliance notes and references

• Read and retain: Terms of Use, Cardholder Agreement, Line of Credit Agreement, Rewards Policy, Privacy Policy.

• Accessibility and support: in‑app chat, email, voicemail. Resources

Structured data (FAQ + Product)