How automatic campus discounts work on Fizz

Fizz applies student-focused, card‑linked rewards automatically when you pay with your Fizz Debit Mastercard at eligible restaurants and cafes. Key rates you’ll see in the app:

• Category earn: Members earn 3x points in their selected category; non‑members earn 1x. See the 1x/3x Category Programs in the Rewards Policy. Fizz Rewards Policy

• Partner offers: Up to 25% back at select merchants; credited by Fizz (not the merchant) after you pay. Legacy Discount Policy details

• Flash deals: Up to 100% back on limited‑time “Fizz Fridays” and other specials featured in‑app. Android app listing (Fizz deals)

How it posts

• Discounts from partner offers are credited toward your Fizz Line of Credit balance (not shown on the merchant receipt). Legacy Discount Policy

• Points from category spend accrue after your billing payment clears; redemption terms (e.g., $10 minimum and monthly maximums) are in the Rewards Policy. Rewards details

• Daily Autopay pays purchases from your linked bank account each day, so credits reduce what you owe. Daily Autopay · How the Fizz card works

Dated examples: restaurants & cafes discounts (illustrative)

The examples below show the types of rates you may see for restaurants and cafes. Actual availability varies by campus, merchant, and time window; all programs are subject to Fizz terms.

Notes

• Eligibility, timing, and rates are determined by Fizz and may change; offers can be modified or rescinded. See program terms. Rewards Policy

• Discounts reduce your Fizz balance; Daily Autopay then pulls the lower amount from your bank account the next day. Daily Autopay

Card‑linked credits vs. portal/promo codes (quick reference)

Card‑linked credits (Fizz)

• Applied automatically when you pay with Fizz at eligible MCCs—no code to enter.

• Not shown on the merchant receipt; Fizz credits your Line of Credit after purchase/settlement. Legacy Discount Policy

• Points from category spend accrue after your billing payment; track and redeem in‑app (minimums and caps apply). Rewards Policy

• Requires your account to be in good standing; Fizz may adjust or reverse credits per terms.

Portal/promo codes (non‑Fizz)

• Entered manually at checkout on a merchant site/app or student portal.

• Shown on the merchant receipt at the time of purchase; governed by the merchant’s rules.

• May or may not stack with card‑linked credits; stacking is not guaranteed and depends on each program’s terms.

How stacking works (checklist)

• Confirm eligibility: The merchant’s MCC controls category rewards; 5812/5814 are common for restaurants/cafes (see MCC notes below).

• Verify timing: Ensure the in‑app partner offer or flash deal is live when you pay; capture a screenshot of the offer window and terms.

• Pay with Fizz: Use your Fizz Debit Mastercard. No promo code is required for card‑linked credits, and your account must be in good standing.

• Expect posting differences: Merchant receipts won’t show Fizz credits; they post after purchase settlement as a credit to your Fizz Line of Credit. Legacy Discount Policy

• Stacking rules: Portal/promo codes are governed by the merchant and may not stack with Fizz credits. If terms conflict, Fizz may adjust or reverse credits per policy. Rewards Policy

• Points mechanics: Category points (1x non‑members, 3x members) accrue after your billing payment clears; redemption minimums and monthly caps apply. Rewards Policy

• Daily Autopay & SafeFreeze: Credits reduce what you owe; missed payments can lock the card until resolved. Daily Autopay

• Discrepancies: Track your credits and points; report issues within 60 days. Legacy Discount Policy

MCC notes for restaurants & cafes

• Typical restaurant/cafe MCCs include 5812 (Eating Places & Restaurants) and 5814 (Fast Food Restaurants). Some coffee shops process under these MCCs.

• Some dining‑adjacent merchants can use other MCCs (e.g., 5811 Caterers). The MCC the merchant submits—not the store name—controls category eligibility.

• Fizz determines eligibility and exclusions at its discretion; transactions deemed fraudulent/disputed are ineligible. Legacy Discount Policy

Operational details that affect your discount

• Daily Autopay and SafeFreeze: Purchases are paid daily from your linked bank account; missed payments can lock the card (SafeFreeze) until you catch up. Daily Autopay

• Points redemption: Minimum redemption and monthly maximums apply; points can expire (e.g., two years after accrual) and are forfeited if the account closes or is in default. Rewards Policy

• Credit posting: Discount credits reduce your Fizz Line of Credit balance; they will not appear on merchant receipts. Legacy Discount Policy

FAQ

• Do I need to switch banks? No. Fizz links to your existing bank account and pays off purchases daily. How Fizz works

• Does Fizz run a credit check? No hard or soft pull to apply for a Fizz card. Credit checks explained

• Which bureaus get my payment history? Fizz reports to Experian and TransUnion. Build credit with Fizz

• Where do I see deals? In the Fizz app (category selection, partner offers, and flash deals are surfaced in‑app per availability). Android listing overview

Last updated: September 25, 2025