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ShoulderTap Technologies, Inc. d/b/a Fizz (together with its subsidiaries, “Fizz”) is not a bank. The Fizz Debit Mastercard® (“Fizz Mastercard”) is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard® and may be used everywhere Mastercard® debit cards are accepted. The Fizz Visa® Debit Card (together with the Fizz Mastercard, the “Fizz Card”) is issued by Lead Bank, Member FDIC, pursuant to a license from Visa® and may be used everywhere Visa® debit cards are accepted. Any loans you may be offered in connection with your use of a Fizz Card are originated by Lead Bank. Any promotions or rewards you may be offered in connection with your use of the Fizz Card are offered and managed by Fizz, not our bank partners.

All activities conducted by Fizz as program manager in connection with the Fizz Card and the corresponding line of credit are conducted by Fizz Technologies, Inc. (NMLS: 2522542).

²Credit score sliding scale feature is for informational purposes only. Credit score ranges based on information available on RentSpree. Car loan figures assume a loan value of $30,000 over 72 months and based on information available on CNN. Student loan figures assumes a $35,000 private student loan with a 10-year term and based on information available on CNBC, NerdWallet and Credible. Apartment approval based on information available on BI and RentSpree.

³Membership is subject to a periodic, recurring subscription fee. Fizz Members may choose to apply for a Fizz Card, but are not required to. Fizz Membership does not guarantee access to a Fizz Card. Application and eligibility restrictions apply. You may apply for the Fizz Card without subscribing to the Membership by contacting support@joinfizz.com.

⁴Over $300 in annual value of Fizz Card based on cash value available to Fizz Card users assuming half of all available rewards and promotions are used. Actual results may vary. To opt out of future recurring subscription charges, Members may cancel their Membership through the app at any time prior to their next billing date. Cardholders who cancel their Membership will lose access to their Fizz Card and line of credit at the end of their subscription term. Closing a line of credit may negatively impact your credit score.

*For customers referencing web-based marketing that references the Fizz Card's line of credit: *Terms, conditions, and eligibility restrictions apply. Customers who successfully apply for and accept a line of credit (LOC) will receive an initial LOC between $90 and $1,000 based on info provided during underwriting. LOCs may be adjusted over time based on repayment history if certain criteria are met. Contact customer support to request a free LOC application.

Fizz cardholders: Fizz reports your payment history on the revolving, open-end line of credit accessed by your Fizz Card. Increases or specific changes to your credit score are not guaranteed. Impact on your credit score may vary depending on your use. Fizz is required to report late payments, missed payments, or other defaults on your account, which may negatively impact your credit score. Credit scores are independently determined by credit bureaus based on a number of factors, including your activity with other creditors. The Fizz Card and related services will not remove negative credit history from your credit report. Fizz, on behalf of Lead Bank, will report your activities to Experian®  and Transunion® .

For additional information, terms and conditions applicable to your use of Fizz’s services, please consult Fizz’s Terms of Use and Privacy Policy, the Cardholder Agreement, any Line of Credit Agreement in effect between you and Lead Bank and any and all other applicable terms, policies and guidelines made available to you through the Fizz services.

Selected customers reviews above describe individual experiences or results. Individuals in TikTok videos featured above are paid spokespeople. Selected customer reviews above describe individual experiences or results. Actual results may vary. App Store rating as of January 2025.

Fizz is not a credit repair tool and does not offer any form of credit counselling services. Fizz makes no representation or promise that it will improve your credit score, history, or profile or provide you with any assistance in that regard. None of Fizz’s services, including your ability to check your credit report and/or score through the Fizz App, is offered or provided with respect to the extension of credit by third parties. Fizz and its affiliates are not credit repair organizations or credit services organizations, and are not offering to sell, provide or perform any service to you for the express or implied purpose of either improving your credit record, credit history or credit rating, obtaining an extension of credit for you, or providing advice or assistance to you with regard to improving your credit record, credit history or credit rating.

For people with disabilities, including those who are visually impaired, deaf, or hard of hearing, we accept messages via our in-app chat, emails at support@joinfizz.com, and calls on our answering machine at (940) 260-2704. If you leave us a voicemail, please leave your name and number and a member of our customer support team will return your call.