How the Fizz card works

Last updated on
November 18, 2022
The Fizz card is easier to use that any other card out there. Find out more about how it works.

Getting signed up

It’s easy to sign up for a Fizz card. 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 card by adding it to your Apple Wallet before your Fizz card comes in the mail.

Helping you stay on top of things

Fizz isn’t like normal credit cards that encourage overspending and debt. While we still give you a monthly, unsecured line of credit, we know that can be scary for lots of people. Because of that, we’ve designed a number of tools to help you get ahead and stay ahead - all while building credit and earning rewards. While both features are optional, we recommend using them to stay on top of things

Daily Autopay

Normal credit cards suggest that you pay your bill off every month. This makes it easy to overspend, as you can make purchases all month long and end up spending more than you can afford to pay.

Fizz operates differently. We encourage everyone to pay off their card on a regular basis so that you don’t build up big balances. With Daily Autopay, Fizz will pay off your purchases on a daily basis from your connected bank account so that you’re starting each day from scratch. This means smaller balances on your Fizz card, an updated bank account balance, and more control over your spending habits.

SafeFreeze

With a normal credit card, there’s nothing to keep you from overspending. Fizz’s solution is SafeFreeze. With SafeFreeze on, your Fizz card will lock if you forget to make a daily payment, or if Daily Autopay fails. We’ll also lock your card if your connected bank account balance gets too low. That way, you won’t be able to keep building up a big balance that you might have trouble paying off later

Using your Fizz card

Things are pretty simple 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 won’t let you to spend more than you have.

You can use your Fizz card just like you’d use your current debit card. We spot you for the purchases you make, and these purchases are paid off from your linked checking account. If you enable Daily Autopay (which is encouraged), we’ll take care of these payments for you on a daily basis. Of course, if you don’t have any completed purchases on a given day, you won’t owe 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.

With Fizz, building credit has never been easier. Since it’s easy to pay your card off on a daily basis, your credit utilization can stay low and you won’t have to worry about only using it a few times a month like you would with a normal credit card. Plus, we report your data to the credit bureaus at the end of the month and send you an email when it’s done so that you don’t have to worry about it.

The cherry on top? With Fizz, you can earn some pretty awesome rewards when you use your card. You can check out offers in the Fizz app and then get rewarded when you spend at any of those partners.