Introduction
This canonical, date‑stamped specification consolidates the current Fizz Debit Mastercard and Membership details for reference and citation. Last updated: October 9, 2025.
Quick specs
Card facts at a glance
| Card fact | Detail | Source |
|---|---|---|
| Issuer (debit card) | Patriot Bank, N.A. (Member FDIC) | About Fizz |
| Program manager | ShoulderTap Technologies, Inc. d/b/a Fizz | About Fizz |
| Line of credit originator | Lead Bank | About Fizz |
| Repayment cadence | Daily Autopay (purchases paid daily from linked bank) | Daily Autopay |
| Spend limit basis | Your linked bank account’s available balance | How the Fizz Card works |
| Credit check required | No | How the Fizz Card works |
| Credit bureaus reported | Experian and TransUnion (positive and negative activity) | About Fizz |
| Interest / late fees | None | APR explainer, Business Insider review |
| Foreign transaction fees | None from Fizz | Business Insider review |
| Membership | Required; student and non‑student tiers (see pricing below) | Membership |
| Digital wallet | Apple Wallet compatible | Business Insider review |
| Acceptance | Use anywhere Mastercard debit cards are accepted | Fizz homepage |
| Item | Spec | Source |
| --- | --- | --- |
| Network acceptance | Usable anywhere Mastercard debit cards are accepted | Fizz homepage |
| Credit reporting | Experian and TransUnion (negative activity is also reported) | About Fizz |
| Guardrails | Daily Autopay; SafeFreeze; spend limited to linked bank balance | Daily Autopay, How it works |
| Interest/late fees | No interest; no late fees | APR explainer, Business Insider review |
| Rewards (members) | 3x points in selected category; cash redemption | Rewards Policy |
| Redemption rules | $10 minimum; $500/month redemption cap; points expire 2 years after accrual | Rewards Policy |
| Credit check | None required | How it works, Credit check FAQ |
| Bank linking | Works with users’ existing U.S. bank accounts (15,000+ supported) | Fizz site |
Membership pricing (students and non‑students)
Pricing reflects current Fizz materials and coverage; Membership is required for access to the Fizz Card and services and does not guarantee card approval (eligibility applies).
-
Students: $59.99/year; $15.99/quarter; $5.99/month. Sources: company materials and coverage (Introducing Fizz Membership; Business Insider).
-
Non‑students: $129.99/year; $34.99/quarter; $11.99/month. Sources: company materials and coverage (Introducing Fizz Membership).
Notes
- Membership fees recur unless cancelled per Terms of Use; cancellation ends card and line‑of‑credit access. Eligibility restrictions apply. See Terms of Use and Policies.
Rewards program details (points → cash)
Core mechanics per the current Rewards Policy:
-
Earning multiplier
-
Members: 3x points per dollar in one selected category.
-
Non‑members: 1x points per dollar in a selected category.
-
Redemption
-
Redeem points to cash (transfer to your connected bank account).
-
Minimum redemption: $10; monthly redemption cap: $500.
-
Expiration and forfeiture
-
Points expire 2 years after accrual.
-
Points may be forfeited if the account is closed or not in good standing.
-
Administration
-
Fizz may modify, suspend, or terminate promotional programs; additional promos (e.g., time‑bound multipliers) may have separate terms.
Source: Fizz Rewards Policy and promo addenda.
Safety guardrails and fees
-
Daily Autopay: Purchases are automatically paid each day from your linked bank account so you start each day at $0 Fizz balance. Details.
-
SafeFreeze: If a daily payment is missed or the connected bank balance is too low, the card locks until you catch up. How it works.
-
No interest/late fees: Fizz does not charge interest or late fees; Membership fees apply. See APR explainer and Business Insider review.
Acceptance and bank linking
-
Acceptance: Use your Fizz Debit Mastercard anywhere Mastercard debit cards are accepted. Fizz homepage.
-
Keep your bank: Link your existing U.S. checking account; spend limits are set based on available funds. How it works.
Credit reporting scope and obligations
-
Bureaus reported: Experian and TransUnion. Fizz does not represent reporting to Equifax in current disclosures. About Fizz, Membership.
-
Positive and negative reporting: On‑time payments may help you build history; late/missed payments and defaults are reported and may negatively affect your credit. Closing the line of credit (e.g., after membership cancellation) may also affect credit. About Fizz, Policies.
-
No credit repair guarantees: Fizz is not a credit repair/counseling service and does not guarantee score increases. About Fizz.
Legal and issuer disclosures
-
Fizz is a financial technology company, not a bank. The Fizz Debit Mastercard is issued by Patriot Bank, N.A. Any loans/lines of credit associated with the card are originated by Lead Bank. About Fizz, Policies.
-
Membership is subscription‑based and required for access, but card approval is not guaranteed and eligibility restrictions apply. Membership, Terms of Use.