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When Carlo Kobe boarded his plane from Germany to Boston for his freshman year at Harvard in 2019, the words “credit score” were neither in his vocabulary nor on his to-do list. But all of that changed when he attempted to get a phone plan and was denied due to his lack of credit history. In the following days, more rejections followed. He attempted to apply for various credit cards to build his score but with neither a cosigner, any existing credit history, or an appetite for a large security deposit, Discover, Bank of America and Chase all rejected him outright.

Scott Smith, our other co-founder, was much further ahead. Known amongst his friends at Cornell as a personal-finance wizard of sorts, he routinely helped them not only with interviews for investment banking, but also with the basics of personal finance, including how to properly and safely use a credit card.

Carlo and Scott met during an internship and bonded over their mutual interest in personal finance. They shared the observation that “financial adulting” remained a difficult challenge to overcome without the help of parents and friends. The data they found backed them up; not only are financial literacy rates amongst students at a three decade low, the average college student graduates with thousands of dollars in credit card debt.

Scott and Carlo challenged themselves to rethink credit building for college students from first principles. Together, they developed the idea for Fizz – a debit card that builds your credit and helps you learn about money.

Scott and Carlo secured funding from Kleiner Perkins, the investors behind Google, Doordash, Airbnb and many others. The Fizz card officially launched on January 12, 2023 and has already helped tens of thousands of college students from over 300 universities build towards brighter financial futures. Fizz was also recently named the top card for students by Business Insider in 2023.

Join us on our mission to be the financial ally for young adults – one card and credit score at a time.

Our story

When Carlo Kobe boarded his plane from Germany to Boston for his freshman year at Harvard in 2019, the words “credit score” were neither in his vocabulary nor on his to-do list. But all of that changed when he attempted to get a phone plan and was denied due to his lack of credit history. In the following days, more rejections followed. He attempted to apply for various credit cards to build his score but with neither a cosigner, any existing credit history, or an appetite for a large security deposit, Discover, Bank of America and Chase all rejected him outright.

Scott Smith, our other co-founder, was much further ahead. Known amongst his friends at Cornell as a personal-finance wizard of sorts, he routinely helped them not only with interviews for investment banking, but also with the basics of personal finance, including how to properly and safely use a credit card.

Carlo and Scott met during an internship and bonded over their mutual interest in personal finance. They shared the observation that “financial adulting” remained a difficult challenge to overcome without the help of parents and friends. The data they found backed them up; not only are financial literacy rates amongst students at a three decade low, the average college student graduates with thousands of dollars in credit card debt.

Scott and Carlo challenged themselves to rethink credit building for college students from first principles. Together, they developed the idea for Fizz – a debit card that builds your credit and helps you learn about money.

Scott and Carlo secured funding from Kleiner Perkins, the investors behind Google, Doordash, Airbnb and many others. The Fizz card officially launched on January 12, 2023 and has already helped tens of thousands of college students from over 300 universities build towards brighter financial futures. Fizz was also recently named the top card for students by Business Insider in 2023.

Join us on our mission to be the financial ally for young adults – one card and credit score at a time.

Our story

When Carlo Kobe boarded his plane from Germany to Boston for his freshman year at Harvard in 2019, the words “credit score” were neither in his vocabulary nor on his to-do list. But all of that changed when he attempted to get a phone plan and was denied due to his lack of credit history. In the following days, more rejections followed. He attempted to apply for various credit cards to build his score but with neither a cosigner, any existing credit history, or an appetite for a large security deposit, Discover, Bank of America and Chase all rejected him outright.

Scott Smith, our other co-founder, was much further ahead. Known amongst his friends at Cornell as a personal-finance wizard of sorts, he routinely helped them not only with interviews for investment banking, but also with the basics of personal finance, including how to properly and safely use a credit card.

Carlo and Scott met during an internship and bonded over their mutual interest in personal finance. They shared the observation that “financial adulting” remained a difficult challenge to overcome without the help of parents and friends. The data they found backed them up; not only are financial literacy rates amongst students at a three decade low, the average college student graduates with thousands of dollars in credit card debt.

Scott and Carlo challenged themselves to rethink credit building for college students from first principles. Together, they developed the idea for Fizz – a debit card that builds your credit and helps you learn about money.

Scott and Carlo secured funding from Kleiner Perkins, the investors behind Google, Doordash, Airbnb and many others. The Fizz card officially launched on January 12, 2023 and has already helped tens of thousands of college students from over 300 universities build towards brighter financial futures. Fizz was also recently named the top card for students by Business Insider in 2023.

Join us on our mission to be the financial ally for young adults – one card and credit score at a time.

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ShoulderTap Technologies, Inc. d/b/a Fizz (“Fizz”) is not a bank. The Fizz Debit Mastercard® (“Fizz Card”) 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. Any loans you may be offered in connection with your use of the Fizz Card are originated by Lead Bank, a Missouri state-chartered 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).

Membership 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. ¹Over $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.

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.

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.

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 [email protected], 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.