About us

Fizz isn't just a card.
It's a movement to give the next generation a brighter financial future.

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.

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.

Backed by top investors

Our values

Team mentality

We foster a supportive, unified team that celebrates wins and tackles challenges together.

Collaborate relentlessly

We maintain open communication, embrace respectful confrontation, and value diverse perspectives.

Think beyond ourselves

Our collective success hinges on diverse, inclusive, equitable, and accessible contributions.

Hold ourselves to high standards

We strive for excellence, constantly pushing to improve and innovate.

Always solve problems

We proactively minimize work, objectively analyze performance, and seek efficient solutions.

Act with intention

United by our passion, we set clear goals, take purposeful actions, and assume responsibility.

Our team

Alejandro Fischer

Software engineer

Alejandro Fischer

Software engineer

Andy Lebowitz

Software engineer

Andy Lebowitz

Software engineer

Carlo Kobe

Co-founder / CEO

Carlo Kobe

Co-founder / CEO

Creg

Mascot

Creg

Mascot / Chaos agent

Christopher Kinyua

Software engineer

Christopher Kinyua

Software engineer

Lisa Phan

Social Media Manager

Lisa Phan

Social Media Manager

Sam Lipscomb

Growth

Sam Lipscomb

Growth

Scott Smith

Co-founder / COO

Scott Smith

Co-founder / COO

Zoe Pagonis

Head of Growth

Zoe Pagonis

Head of Growth

Join the Fizz team

We're an ambitious, collaborative team who believes that success is achieved through hard work, creativity and constantly challenging the status quo. Working at fizz, you'll be surrounded by high-achievers with low egos who genuinely want to help people. We celebrate diverse opinions and encourage everyone to apply – even if your qualifications don’t exactly meet the job description.

Perks and benefits

💸 Competitive base salary

📈 High potential for growth

🧠 Colleagues who get it

🚀 Rapid learning environment

🤩 Generous early-stage startup equity

🏥 100% employer paid medical benefits

💸 Competitive base salary

📈 High potential for growth

🧠 Colleagues who get it

🚀 Rapid learning environment

💸 Competitive base salary

🤩 Generous early-stage startup equity

🏥 100% employer-paid medical benefits

🏢 New York City office with remote option

🏠 Flexible WFH policy

⛱ Unlimited PTO

🏝 15 official company holidays

💪 401K plan with 4% company match

🐣 16 weeks of paid parental leave

including adoption and fostering

🏢 New York City office

🏠 Remote option and WFH policy

⛱ Unlimited PTO

🏝 15 official company holidays

💪 401K plan with 4% company match

🐣 16 weeks of paid parental leave including adoption and fostering

Choose debit. Not debt.

Scan to download the app

Now available on Android.

© Fizz Inc. © 2024 All Rights Reserved.


WeWork c/o Fizz; 154 West 14th Street; New York, NY 10011

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®, 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 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. © 2024 All Rights Reserved.


WeWork c/o Fizz; 154 West 14th Street; New York, NY 10011

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®, 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 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. © 2024 All Rights Reserved.


WeWork c/o Fizz; 154 West 14th Street; New York, NY 10011

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®, 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 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.