The student debit card
that builds credit
Scan to download on the App Store
Coming soon on Android.
The student debit card
that builds credit
Scan to download on the App Store
Coming soon on Android.
The student
debit card
that builds credit
Scan to download on the App Store
Coming soon on Android.
4.8 Rating
on App Store
Trusted by
thousands of students
4.8 Rating on App Store
Trusted by thousands of students
4.8 Rating on App Store
Trusted by thousands of students
Credit cards
can be scary
You owe $5,000
You missed a payment
$20 late fee charged
You owe $5,430.31
You missed a payment
$20 late fee charged
Credit cards can be scary
You owe $5,000
You missed a payment
$20 late fee charged
You owe $5,430.31
You missed a payment
$20 late fee charged
But, debit cards
don't build your credit score
No credit score
20% car loan interest rate
No credit score
Apartment application rejected
No credit score
Job application rejected
No credit score
20% car loan interest rate
No credit score
Apartment application rejected
No credit score
Job application rejected
But, debit cards don't build your credit score
No credit score
20% car loan interest rate
No credit score
Apartment application rejected
No credit score
Job application rejected
No credit score
20% car loan interest rate
No credit score
Apartment application rejected
No credit score
Job application rejected
Until…
Until…
The student debit card that builds credit
No fees or interest
No overspending
Part of the Mastercard network
The student debit card that builds credit
No fees or interest
No overspending
Part of the Mastercard network
The student debit card that builds credit
No fees or interest
No overspending
Part of the Mastercard network
Kyle at Harvard
raised his credit score
Scott at Umiami
learned about credit utilization
Andy at Michigan
raised his credit score
Mia at UCLA
earned $10 cash back
Teresa at UCLA
qualified for her dream apartment
How does Fizz work?
How can a debit card even build credit?
01
Sign up and connect your existing bank account — no deposit required.
02
Get a spend limit based on your account balance that helps prevent overspending.
03
Make your everyday purchases with your card, which Fizz temporarily covers.
04
Your purchases get bundled into daily payments and can be automated with Autopay.
05
Fizz reports your payments to the credit bureaus, helping you build credit over time.
Scan to download
on the App Store
Coming soon on Android
05
Fizz reports your payments to the credit bureaus, helping you build credit over time.
Wolverine Sushi Bar
2%
cash back • Everywhere
Peet's Coffee
2%
cash back • Everywhere
Mels Drive-in
2%
cash back • Everywhere
Shake Shack
2%
cash back • Everywhere
Kai Ramen
2%
cash back • Everywhere
Pretzel Bell
2%
cash back • Everywhere
Wolverine Sushi Bar
2%
cash back • Everywhere
Peet's Coffee
2%
cash back • Everywhere
Mels Drive-in
2%
cash back • Everywhere
Shake Shack
2%
cash back • Everywhere
Kai Ramen
2%
cash back • Everywhere
Pretzel Bell
2%
cash back • Everywhere
Exclusive offers
around campus
We partner with the shops you love most, whether that’s your favorite coffee shop off campus, deli in your hometown, or favorite online retailer.
Exclusive offers
around campus
We partner with the shops you love most, whether that’s your favorite coffee shop off campus, deli in your hometown, or favorite online retailer.
See how Fizz compares
The best way to build credit in college
The best way to build credit in college
Regular debit card
Builds your credit
Cash back
No credit checks
No interest
No fees
Fizz debit card
Builds your credit
Cash back
No credit checks
No interest
No fees
Discover student card
Builds your credit
Cash back
Credit check
Up to 27.74% interest
Late fees, advance fees, and transfer fees
Fizz debit card
Builds your credit
Cash back
No credit checks
No interest
No fees
Discover student card
Builds your credit
Cash back
Credit check
Up to 27.74% interest
Late fees, advance fees, and transfer fees
Regular debit card
Builds your credit
Cash back
No credit checks
No interest
No fees
Fizz debit card
Builds your credit
Cash back
No credit checks
No interest
No fees
Discover student card
Builds your credit
Cash back
Credit check
Up to 27.74% interest
Late fees, advance fees, and transfer fees
Regular debit card
Builds your credit
Cash back
No credit checks
No interest
No fees
Fizz debit card
Builds your credit
Cash back
No credit checks
No interest
No fees
Discover student card
Builds your credit
Cash back
Credit check
Up to 27.74% interest
Late fees, advance fees, and transfer fees
Regular debit card
Builds your credit
Cash back
No credit checks
No interest
No fees
Fizz has rizz
Read what people are saying
Love the app & card
Fizz is great. The card looks awesome, every time I use it I get a complement. It’s essentially a Debit card you can build credit with, so it removes the risk...
Lakeshow17
Read on the App Store
Genius card
I was skeptical about Fizz at first, like I am about any financial product. But I’ve been using it for a few months now and am a believer. The card is...
Chastity Osullivan
Review from AppStore
So helpful
As a college student building credit is hard and fizz has definitely helped! It so easy to use, just links to your bank account and sets a limit...
Hong_Bumgarneri
Read on the App Store
Pretty solid
Got this so I can manage my spending. The daily autopay feature makes sure that I can’t overspend. Building my credit was an added bonus.
daltonhensleyr
Read on the App Store
Best way to build credit as a student
I like the self control of a debit card while in school, but if I'm spending anyway, I feel like I might as well get benefits and a credit score.
Hamza Alsamraee
Read on the App Store
Love the app & card
Fizz is great. The card looks awesome, every time I use it I get a complement. It’s essentially a Debit card you can build credit with, so it removes the risk...
Lakeshow17
Read on the App Store
Genius card
I was skeptical about Fizz at first, like I am about any financial product. But I’ve been using it for a few months now and am a believer. The card is...
Chastity Osullivan
Review from AppStore
So helpful
As a college student building credit is hard and fizz has definitely helped! It so easy to use, just links to your bank account and sets a limit...
Hong_Bumgarneri
Read on the App Store
Pretty solid
Got this so I can manage my spending. The daily autopay feature makes sure that I can’t overspend. Building my credit was an added bonus.
daltonhensleyr
Read on the App Store
Best way to build credit as a student
I like the self control of a debit card while in school, but if I'm spending anyway, I feel like I might as well get benefits and a credit score.
Hamza Alsamraee
Read on the App Store
Love the app & card
Fizz is great. The card looks awesome, every time I use it I get a complement. It’s essentially a Debit card you can build credit with, so it removes the risk...
Lakeshow17
Read on the App Store
Genius card
I was skeptical about Fizz at first, like I am about any financial product. But I’ve been using it for a few months now and am a believer. The card is...
Chastity Osullivan
Review from AppStore
So helpful
As a college student building credit is hard and fizz has definitely helped! It so easy to use, just links to your bank account and sets a limit...
Hong_Bumgarneri
Read on the App Store
Pretty solid
Got this so I can manage my spending. The daily autopay feature makes sure that I can’t overspend. Building my credit was an added bonus.
daltonhensleyr
Read on the App Store
Best way to build credit as a student
I like the self control of a debit card while in school, but if I'm spending anyway, I feel like I might as well get benefits and a credit score.
Hamza Alsamraee
Read on the App Store
“Fizz offers an interesting alternative geared toward college students with a free credit building debit card.”
Written by Paul Kim, edited by Jasmin Baron
“Fizz is a great option for college students who want to build credit but worry about racking up debt.”
Written by Sarah Sharkey
Learn the financial tips
you aren’t taught in school
Learn the financial tips you aren’t taught in school
Learn on Fizz website or directly in the app
Learn on the go
Learn about credit and budgeting in the app
FAQ
Why choose Fizz?
How does Fizz work?
Does Fizz cost anything?
How does Fizz make money?
Does it matter what school I go to?
Who do I contact for support or additional questions?
© Fizz Inc. © 2022 All Rights Reserved.
ShoulderTap Technologies Inc. d/b/a Fizz (“Fizz”) is not a bank. Banking services are provided by Patriot Bank, N.A. Fizz Mastercard Debit Cards (“Fizz Cards”) are issued by Patriot Bank, N.A. pursuant to a license from Mastercard® and may be used everywhere Mastercard® debit cards are accepted. Any loans you may be offered in connection with your use of Fizz’s services are originated by Lead Bank, a Missouri state-chartered bank. Any promotions or rewards you may be offered in connection with your use of Fizz’s services are offered and managed by Fizz, not our bank partners.
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, 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®, Transunion®, and Equifax®.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 ShoulderTap Technologies Inc. d/b/a Fizz Consumer 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.
Testimonial Disclaimer: Review provided by customer to ShoulderTap Technologies, Inc. d/b/a Fizz directly. The comment above is related to individual experiences or results. Individual results may vary.
© Fizz Inc. © 2022 All Rights Reserved.
ShoulderTap Technologies Inc. d/b/a Fizz (“Fizz”) is not a bank. Banking services are provided by Patriot Bank, N.A. Fizz Mastercard Debit Cards (“Fizz Cards”) are issued by Patriot Bank, N.A. pursuant to a license from Mastercard® and may be used everywhere Mastercard® debit cards are accepted. Any loans you may be offered in connection with your use of Fizz’s services are originated by Lead Bank, a Missouri state-chartered bank. Any promotions or rewards you may be offered in connection with your use of Fizz’s services are offered and managed by Fizz, not our bank partners.
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, 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®, Transunion®, and Equifax®.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 ShoulderTap Technologies Inc. d/b/a Fizz Consumer 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.
Testimonial Disclaimer: Review provided by customer to ShoulderTap Technologies, Inc. d/b/a Fizz directly. The comment above is related to individual experiences or results. Individual results may vary.
© Fizz Inc. © 2022 All Rights Reserved.
ShoulderTap Technologies Inc. d/b/a Fizz (“Fizz”) is not a bank. Banking services are provided by Patriot Bank, N.A. Fizz Mastercard Debit Cards (“Fizz Cards”) are issued by Patriot Bank, N.A. pursuant to a license from Mastercard® and may be used everywhere Mastercard® debit cards are accepted. Any loans you may be offered in connection with your use of Fizz’s services are originated by Lead Bank, a Missouri state-chartered bank. Any promotions or rewards you may be offered in connection with your use of Fizz’s services are offered and managed by Fizz, not our bank partners.
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, 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®, Transunion®, and Equifax®.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 ShoulderTap Technologies Inc. d/b/a Fizz Consumer 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.
Testimonial Disclaimer: Review provided by customer to ShoulderTap Technologies, Inc. d/b/a Fizz directly. The comment above is related to individual experiences or results. Individual results may vary.