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Amazing way to earn cash back on purchases with a student debit card

We partner with your favorite campus vendors to provide you with unmatched rewards

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When it comes to managing finances as a college student, every penny counts. That's why Fizz's cash back rewards program stands out as an attractive feature for those seeking to make the most of their spending. With Fizz, you can build credit history and avoid debt all while earning rewards on your spending.

Traditional credit cards come with complex reward structures and hidden fees, Fizz keeps things simple and transparent with its rewards program.

  • Fizz Members earn 3% cash back in a category of their choosing, which they can change (or keep the same) every week.

  • Fizz Members have access to Fizz Friday offers, which give 100% cash back at merchants like Costco, Target, and McDonald's every single Friday.

  • Fizz Members can also earn variable rewards at a handful of different retailers on an ongoing basis – check the app to see which offers are live for you today!

How Fizz rewards work

Taking advantage of the Fizz rewards program is easy. You don’t have to enroll or “add” offers to your card. Instead, you can just use your Fizz card wherever there’s an offer and you’ll see your rewards credited to your account automatically. Once you’ve built up a rewards balance of more than $10, you can transfer whatever amount you’ve accrued to your connected bank account. It’s as simple as that.

To find rewards deals online and near you, go to the Fizz app and tap on the rewards tab. There, you’ll be able to see restaurants and other merchants around you that are offering cash back rewards. You’ll also be able to see which online merchants are offering cash back.

Types of offers and deals

Fizz rewards offers are primarily focused on restaurants and online merchants. You’ll be able to see specific offers on the app at any given time, but most ongoing offers provide 1-5% cash back at select restaurants and merchants either in-store or online. You’ll be able to see these offers and their end dates any time you login to the Fizz app.

Fizz also runs cash back flashes and other campus exclusives. These offers tend to be much more exciting, with offers of up to 100% cash back at restaurants and other merchants on and around specific college campuses. You’ll be able to see most cash back flashes in the app before they go live, so keep an eye out for them!

Fizz also offers a baseline cash back rate of 3% in a category of your choosing, which you can change every week if you want to!

The benefits of Fizz rewards

Fizz’s rewards program is a chance to get a return on your spending that you wouldn’t get when using a normal debit card, a traditional credit card, or cash. When it comes to Fizz rewards, there are no strings attached. Every Fizz cardholder is eligible for Fizz rewards - there is no opt-in or enrollment required.

Fizz rewards are a great way to get money back on purchases that you’d be making anyway. Plus, keep an eye on the rewards tab and on our email communications, as we’re always coming up with new ways to help you redeem your rewards for things you want.

Why college students love Fizz rewards

Fizz’s rewards program is tailored specifically to college students! All of our offers, whether in-store or online, are targeted towards a college-age audience. While we still make sure that all of our cardholders can take full advantage of the rewards program, we place a special emphasis on our users who are in school.

A big part of why college students love Fizz rewards is that our cash back flashes and campus exclusives are specific to different schools across the country. Whether it’s a 50% cash back offer at UT Austin’s favorite coffee shop or a buy-one-get-one offer in Ann Arbor, Fizz cash back offers are specially designed to help students save.

What our customers have to say

  • 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

  • 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

  • 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

  • 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

Apply for a Fizz card today!

Applying for 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 to start earning Fizz rewards 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 based on your credit 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. That’s all you need to do to start building credit history and earning rewards with Fizz!

FAQ

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Can anyone take advantage of Fizz rewards?

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


450 Broadway, 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.


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 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.