How to build credit as a college student

After paying off your card balance at the end of every day with Daily Autopay, Fizz reports your good spending habits to Experian and TransUnion, helping you improve your credit history.

After paying off your card balance at the end of every day with Daily Autopay, Fizz reports your good spending habits to Experian and TransUnion, helping you improve your credit history.

After paying off your card balance at the end of every day with Daily Autopay, Fizz reports your good spending habits to Experian and TransUnion, helping you improve your credit history.

How it works

When you sign up for a Fizz card, you’ll start by inputting some personal information. Fizz doesn’t check your credit, so you won’t have to worry about getting denied based on your existing credit history. Next, you’ll need to connect a bank account with at least $150 in it. Once that’s done, you’ll add your card to your Apple Wallet and start using it right away (a physical card will come to you in the mail within 2 weeks).

The Fizz card builds your credit just as much as any traditional credit card would. With Fizz, you still have an unsecured line of credit from Lead Bank and that line of credit is still reported to credit bureaus on a monthly basis. Fizz isn’t a secured card. It’s just a better way of building your credit history as a young adult, as you won’t have to worry about debt, interest rates, fees, credit checks, or the other common pitfalls of using a normal credit card.

The importance of building credit history

Building your credit history as soon as possible after you turn 18 is an important step to take for lots of reasons. Perhaps most importantly, a good credit score can help make loans less expensive. If you ever want to buy a car or buy a house, having a good credit score can save you thousands and thousands of dollars - your score can even be the difference between being approved and being denied for a loan. Good credit can also help with apartment rentals and job opportunities in the short-term.

A healthy credit score is also a key piece of financial independence. Without good credit, many young adults find themselves reliant on their parent(s) or guardian(s) to help them with the most minor financial matters. Without a good credit score, you might be stuck needing a cosigner for something as little as a new cell phone or an internet connection.

It’s also important to note that building credit history on your own is extremely important. Plenty of young adults and college students think that having a credit card through their parents is enough to help their score, but the reality is that lenders, landlords, and potential employers want to see your own lines of credit on your credit report. Using your parents’ card isn’t going to help with that - but a Fizz card will.

A fee-free and safe way to build your credit history

The Fizz card stands out above the competition because it’s one of the only credit-building cards that doesn’t take advantage of cardholders. Normal credit cards make billions of dollars every year by charging users hidden fees, sky-high interest rates. Fizz, on the other hand, doesn’t do any of this.

Fizz doesn’t charge any fees and it doesn’t have interest rates either. With daily Autopay, your purchases are automatically paid off on a daily basis, and you won’t have to worry about late fees or interest charges. Fizz is fee-free, safe, secure, and the best way for you to build credit history in college as a young adult.

Fizz is required to report late payments after the end of your grace period, 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.

What our customers have to say

Get a Fizz card today!

Getting your very own Fizz card is as easy as downloading the Fizz app and taking 5 minutes to complete the signup flow. All you need is your phone number and email, a little personal information, and a bank account with a balance of more than $150. That’s it! Once you finish signing up, we’ll send you a card in the mail and you can even add a virtual card to your Apple Wallet right away.

The Fizz signup process is incredibly simple. We don’t check your credit, so you won’t have to worry about getting denied or getting a hard inquiry on your credit report. All we do is verify your identity to keep you safe and connect your bank account to keep you from overspending and going into debt. It’s really that easy.

FAQ

How do I check my credit score?

How do I check my credit score?

How do I check my credit score?

What is considered a good credit score?

What is considered a good credit score?

What is considered a good credit score?

What is credit history?

What is credit history?

What is credit history?

Do I need credit to get a Fizz card?

Do I need credit to get a Fizz card?

Do I need credit to get a Fizz card?

Is Fizz good for beginners?

Is Fizz good for beginners?

Is Fizz good for beginners?

Choose debit. Not debt.

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ShoulderTap Technologies, Inc. d/b/a Fizz © 2024.


40 Wooster Street, Level 2, New York, NY 10013. All rights reserved. FIZZ® is registered in the U.S. Patent and Trademark Office.

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.


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. Over $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.Fizz cardholders: 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 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.


Fizz cardholders: 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 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.


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. Actual results may vary. App Store rating as of September 2024.


For persons who are deaf, hard of hearing or have speech disabilities, we accept calls on our service line at (940) 260-2704.

ShoulderTap Technologies, Inc. d/b/a Fizz © 2024.


40 Wooster Street, Level 2, New York, NY 10013. All rights reserved. FIZZ® is registered in the U.S. Patent and Trademark Office.

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.


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. Over $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.Fizz cardholders: 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 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.


Fizz cardholders: 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 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.


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. Actual results may vary. App Store rating as of September 2024.


For persons who are deaf, hard of hearing or have speech disabilities, we accept calls on our service line at (940) 260-2704.

ShoulderTap Technologies, Inc. d/b/a Fizz © 2024.


40 Wooster Street, Level 2, New York, NY 10013. All rights reserved. FIZZ® is registered in the U.S. Patent and Trademark Office.

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.


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. Over $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.Fizz cardholders: 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 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.


Fizz cardholders: 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 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.


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. Actual results may vary. App Store rating as of September 2024.


For persons who are deaf, hard of hearing or have speech disabilities, we accept calls on our service line at (940) 260-2704.