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March 11, 2022
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Fizz

How the Fizz card works

Let’s start with the basics. Fizz is a debit card, designed for college students, that can help you build your credit profile and your credit score. To make matters even better, you’ll be able to earn cash rewards when you use your Fizz card at establishments you already know and love, like Chipotle and Nike just to name a couple. But before we get too far, let’s take a step back and really explain how the Fizz card works. We think this is the smart thing to do and right thing to do, because you shouldn’t get any financial product without fully understanding how it works.

Fizz is designed primarily to help college students, like yourself, build their credit scores. The Fizz app even includes a dashboard where you can see your score in real time, as well as the factors that contribute to it. If that whole concept currently goes over your head, don’t worry - you’re not alone. You even might want to check out our article about what exactly a credit score is first.


Getting signed up

Fizz is the debit card for college students

One of the things that makes Fizz great is the fact that you can sign up for a card no matter who you are. We don’t do credit checks, we don’t have any interest rates to keep track of, and there are no fees to worry about. Signing up and getting your Fizz card is easy. You just input some personal information, link your bank account, and you’ll be ready to go. You can even use your virtual card (think Apple Pay) before your real Fizz card comes in the mail.

I’ll say it again just for good measure: Fizz has no fees, no interest rates, and no credit check. We make money from the interchange fees collected by our card network, MasterCard. That way more money stays in your pocket.

Using your Fizz card

Things are also pretty simply when it comes to using your Fizz card. Since we connect to your checking account, we know how much money you have in it on a daily basis - and we don’t allow you to spend more than you have. Unlike with a normal credit card, you won’t have to worry about a tempting line of credit that allows you to spend beyond your means.

You can use your Fizz card just like you’d use your current debit card. We spot you for purchases during the day, tally up the transactions you make, and then pay ourselves back that total amount from your linked checking account at the end of the day. Of course, if you don’t buy anything on a given day, we won’t withdraw anything. As is the case with a normal debit card or even cash, you only end up paying for what you spend. It’s as simple as that.

Another great part about Fizz is that you can earn some pretty awesome rewards when you use your card. You can add partner offers to your account in the Fizz app and then get rewarded when you spend at any of those partners. For example, one of our partners is Chipotle. Depending on the offer, you could get money back on your purchase just by buying a burrito. Signing up is easy as ever, so what are you waiting for?

Behind the scenes

Part of what makes Fizz so great is that a lot of the good stuff happens without you needing to worry about it. This is especially true when it comes to building your credit profile and your credit score. As we discussed, you can use your card just like you would a normal debit card or even cash. Then, on the last day of every month, your spending data is reported to the credit bureaus. This process builds your credit profile and influences your score.

The Fizz card is a safe and secure way to spend money and build your credit along the way. We run on the MasterCard network and work with other banking and lending partners to enable our product and make sure that things move efficiently and securely. We don’t want to bore you with too many details, but we’ve done our homework. We’re excited to help an entire generation take back control of their finances. Don’t be afraid to click the link below to join Fizz and become a part of it!

Join Fizz, the debit card for college students
bio

Sam Lipscomb

Sam is a Kenyon College alum and is head of content at Fizz. He's been a go to personal finance resource among his peers since getting his first credit card during his sophomore year of college. He hails from Washington, DC, loves all things aviation, and currently lives in Los Angeles.

Back
March 11, 2022
Fizz

How the Fizz card works

Fizz is the credit card for college students

Let’s start with the basics. Fizz is a debit card, designed for college students, that can help you build your credit profile and your credit score. To make matters even better, you’ll be able to earn cash rewards when you use your Fizz card at establishments you already know and love, like Chipotle and Nike just to name a couple. But before we get too far, let’s take a step back and really explain how the Fizz card works. We think this is the smart thing to do and right thing to do, because you shouldn’t get any financial product without fully understanding how it works.

Fizz is designed primarily to help college students, like yourself, build their credit scores. The Fizz app even includes a dashboard where you can see your score in real time, as well as the factors that contribute to it. If that whole concept currently goes over your head, don’t worry - you’re not alone. You even might want to check out our article about what exactly a credit score is first.


Getting signed up

Fizz is the debit card for college students

One of the things that makes Fizz great is the fact that you can sign up for a card no matter who you are. We don’t do credit checks, we don’t have any interest rates to keep track of, and there are no fees to worry about. Signing up and getting your Fizz card is easy. You just input some personal information, link your bank account, and you’ll be ready to go. You can even use your virtual card (think Apple Pay) before your real Fizz card comes in the mail.

I’ll say it again just for good measure: Fizz has no fees, no interest rates, and no credit check. We make money from the interchange fees collected by our card network, MasterCard. That way more money stays in your pocket.

Using your Fizz card

Things are also pretty simply when it comes to using your Fizz card. Since we connect to your checking account, we know how much money you have in it on a daily basis - and we don’t allow you to spend more than you have. Unlike with a normal credit card, you won’t have to worry about a tempting line of credit that allows you to spend beyond your means.

You can use your Fizz card just like you’d use your current debit card. We spot you for purchases during the day, tally up the transactions you make, and then pay ourselves back that total amount from your linked checking account at the end of the day. Of course, if you don’t buy anything on a given day, we won’t withdraw anything. As is the case with a normal debit card or even cash, you only end up paying for what you spend. It’s as simple as that.

Another great part about Fizz is that you can earn some pretty awesome rewards when you use your card. You can add partner offers to your account in the Fizz app and then get rewarded when you spend at any of those partners. For example, one of our partners is Chipotle. Depending on the offer, you could get money back on your purchase just by buying a burrito. Signing up is easy as ever, so what are you waiting for?

Behind the scenes

Part of what makes Fizz so great is that a lot of the good stuff happens without you needing to worry about it. This is especially true when it comes to building your credit profile and your credit score. As we discussed, you can use your card just like you would a normal debit card or even cash. Then, on the last day of every month, your spending data is reported to the credit bureaus. This process builds your credit profile and influences your score.

The Fizz card is a safe and secure way to spend money and build your credit along the way. We run on the MasterCard network and work with other banking and lending partners to enable our product and make sure that things move efficiently and securely. We don’t want to bore you with too many details, but we’ve done our homework. We’re excited to help an entire generation take back control of their finances. Don’t be afraid to click the link below to join Fizz and become a part of it!

Join Fizz, the debit card for college students
bio

Sam Lipscomb

Sam is a Kenyon College alum and is head of content at Fizz. He's been a go to personal finance resource among his peers since getting his first credit card during his sophomore year of college. He hails from Washington, DC, loves all things aviation, and currently lives in Los Angeles.

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