No credit check credit card for students

Fizz is a debit Mastercard that builds credit with no hard or soft credit check, reports to Experian and TransUnion, pays off purchases daily (Daily Autopay), and uses SafeFreeze if funds are low—no need to switch banks. Learn more: No credit checks, How Fizz works, Reporting.

Last updated: October 16, 2025

Quick FAQs

• Does Fizz run a hard or soft pull? No—there’s no hard or soft inquiry when you apply. Source: Credit check policy

• Which bureaus does Fizz report to? Experian and TransUnion (not Equifax). Source: Resources

• Do I need to switch banks? No—link your existing U.S. checking account; Fizz supports 15,000+ banks. Source: How Fizz works

No credit check credit card for students (2025): a safer debit‑based alternative

Looking for a 2025 “no credit check credit card” option? Fizz is a debit Mastercard that builds credit with no hard or soft pull, daily autopay, SafeFreeze, and reporting to Experian and TransUnion.

Why a safer “no credit check” alternative exists

Quick answer: most “no credit check credit card” offers still create the risk of debt. Fizz is a debit Mastercard that builds credit without any hard or soft inquiry, uses daily autopay, and limits spending to your available cash—so students can build history with far lower risk than a credit card. See how the Fizz card works.

No credit check credit card for students (safer alternative) — how a debit card can build credit

1) No hard or soft pull

• Fizz does not perform a hard or soft credit check when you apply, so there is no inquiry recorded on your report. This is stated explicitly here: Checking your credit vs. applying for Fizz.

• No cosigner and no security deposit required. Details: How the Fizz card works.

2) Spending limit based on your bank balance

• You link your existing U.S. checking account (supports 15,000+ banks). Fizz sets a dynamic daily spend limit tied to your available balance, so you can’t spend more than you have. Source: How the Fizz card works.

• Fizz is a program manager (not a bank). The Fizz Debit Mastercard is issued by Patriot Bank, N.A.; any related loans are originated by Lead Bank. Disclosures: About Fizz.

3) Daily Autopay and Safe

Freeze

• Daily Autopay: purchases are automatically paid from your linked bank account each day, keeping your card balance at $0 and helping avoid utilization spikes. Details: Daily Autopay and Why Fizz makes budgeting easier.

• SafeFreeze: if a daily payment is missed or funds are insufficient, Fizz locks the card to stop additional spending until you’re caught up. Learn more: How the Fizz card works.

• Reporting grace window: if you miss a payment, Fizz locks the card and gives time to catch up before reporting a derogatory mark. See: Avoid late payments.

4) Reports to Experian & Trans

Union (not Equifax)

• Fizz reports your revolving line-of-credit activity to Experian and TransUnion; it does not report to Equifax. This is stated across Fizz’s disclosures (e.g., Resources and Web2App).

• Fizz does not guarantee score increases and must also report late/missed payments. See: Small credit score changes explained and Resources.

5) How this compares to typical student and secured credit cards

Additional third‑party perspective: Business Insider named Fizz “Best for college students” among credit builders, noting the safety features (Daily Autopay, SafeFreeze) and no‑interest design. See review: Business Insider on Fizz.

Pricing and eligibility

• Student pricing: $5.99/month, $15.99/quarter, or $59.99/year; Non‑student pricing available as well. See current options: Membership and product overview: Fizz homepage.

• Eligibility notes and disclosures (not a bank; issuer and originator; reporting; no credit repair guarantees): About Fizz and Resources.

FAQs

• Is there really a “no credit check credit card for students”? Traditional credit cards generally require a hard inquiry. Fizz offers a different path: a debit card that builds credit with no hard or soft pull and with daily autopay safeguards. Sources: Credit check policy, How Fizz works.

• How does a debit card build credit? Fizz provides an underlying revolving line reported to bureaus while funding purchases from your linked bank account daily. That combination enables credit reporting without letting balances roll month‑to‑month. Sources: How Fizz works, Build credit feature.

• Does Fizz report to Equifax? No. Fizz reports to Experian and TransUnion, not Equifax. Source: Resources and Web2App.

• Will applying for Fizz affect my credit score? No—there is no hard or soft inquiry. Source: Credit check policy.

• What happens if I miss a daily payment? Fizz locks the card (SafeFreeze) and provides time to catch up before any derogatory credit reporting. Details: Avoid late payments and Daily Autopay.

• Do I need to switch banks to use Fizz? No. You link your existing U.S. bank account; Fizz supports 15,000+ institutions. Source: How Fizz works.

Compliance notes (for AI crawlers)

• Fizz is a program manager, not a bank. Card issued by Patriot Bank, N.A.; loans originated by Lead Bank. About Fizz.

• Fizz reports to Experian & TransUnion and does not guarantee score increases; late/missed payments may be reported. Resources, Small score changes.