✕
Golden Key is inviting you
to join Fizz!
A 25% discount will be applied to your Membership upon sign up for a paid Fizz membership.
Enter this invite code to claim a 25%-off discount on a Fizz membership!
GOLDENKEY
Redeem now
AI to Manage and Master Your 💰
AI to Manage and Master Your 💰
Build Credit on Auto-Pilot 💳
Build Credit on Auto-Pilot 💳
A card that takes the stress out of credit building - pay your balance daily, earn rewards, no interest or hidden fees.
A card that takes the stress out of credit building - pay your balance daily, earn rewards, no interest or hidden fees.
Budget For Life After Graduation 🧠
Budget For Life After Graduation 🧠
Reach your savings goals with an AI detective that analyzes your spend and recommends personalized budgets.
Reach your savings goals with an AI detective that analyzes your spend and recommends personalized budgets.
Understand Your Score 👀
Understand Your Score 👀
Learn what factors affect your score, get pinged when things change, and take control of your financial future!
Learn what factors affect your score, get pinged when things change, and take control of your financial future!
Become a Financial Guru 📚
Become a Financial Guru 📚
From insurance to investing, our courses will make sure you're not calling your parent at 28 to ask what a 401k is.*
From insurance to investing, our courses will make sure you're not calling your parent at 28 to ask what a 401k is.*
⚡ Give Fizz a Try ⚡
*Fizz's educational courses are for informational purposes only and should not be considered financial advice. Fizz is not a financial advisor and does not provide financial advice.
See what a good score
can save you²
None or bad
<580
Ok
580–669
Good
670–739
Great
740+
Try Fizz
Odds
Low
for apartment approval
You save
$0.00
on car loans*
You save
$0.00
on student loans**
*Based on a 72 months, $30,000 car loan
**Based on $35k private student loan with a
10-year term
See what a good score
can save you²
None or bad
<580
Ok
580–669
Good
670–739
Great
740+
Try Fizz
Odds
Low
for apartment approval
You save
$0.00
on car loans*
You save
$0.00
on student loans**
*Based on a 72 months, $30,000 car loan
**Based on $35k private student loan with a
10-year term
Build Credit With Fizz
Build Credit With Fizz
Powered by Mastercard
More than just a card
Build credit with confidence
Earn cash back
Daily autopay and smart spend limits
No hidden fees or interest
Cash back and rewards
3% cash back in the spending category of your choice
Surprise rewards on the first Friday of every month
Flash deals for up to 100% off at your favorite spots
Earn over $300 in annual cash back and rewards value from your Fizz card and leave more money in your pocket – where it belongs.¹
How Fizz works
01
Become a Fizz Member, connect your existing bank account, and apply for a line of credit offered by our bank partner–no credit checks or co-signors needed!
02
Use your Fizz Card for everyday purchases, which get covered by your separate line of credit.
03
Take advantage of optional features like Daily Autopay and Fizz’s smart “Available to Spend” guidance to stay on top of your finances.
04
Fizz reports your repayment track record to the credit bureaus, so you can build credit while earning rewards!
Security and support
you can trust
Best in class encryption
We follow best in class frameworks like PCI-DSS and SOC2. Plus, you are secured with Mastercard’s Zero Liability Protection.
Top-tier customer support
If you need help or have any question, our customer support folks are standing by 7-days a week for real human help.
App controls
Block your card anytime from the app. Activate smart alerts to stay on top of your money and use FaceID to log in.
Frequently asked questions
Why choose Fizz?
How does Fizz work?
How can Fizz build my credit history?
How does Fizz report my credit?
Can I cancel Fizz?
How does Fizz make money?
Who do I contact for support or additional questions?
✕
Sign up and get 25% off!
Join thousands of students building their financial future with Fizz today.
Enter this invite code to claim a 25%-off discount on a Fizz membership!
GOLDENKEY
Enter this invite code to claim a 25%-off discount on a Fizz membership!
GOLDENKEY
Redeem now
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.
1
As of March 2024
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.
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.
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, 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 September 2024.
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.
AI to Manage and Master Your 💰
Build Credit on Auto-Pilot 💳
A card that takes the stress out of credit building - pay your balance daily, earn rewards, no interest or hidden fees.
Budget For Life After Graduation 🧠
Reach your savings goals with an AI detective that analyzes your spend and recommends personalized budgets.
Understand Your Score 👀
Learn what factors affect your score, get pinged when things change, and take control of your financial future!
Become a Financial Guru 📚
From insurance to investing, our courses will make sure you're not calling your parent at 28 to ask what a 401k is.*
⚡ Give Fizz a Try ⚡
*Fizz's educational courses are for informational purposes only and should not be considered financial advice. Fizz is not a financial advisor and does not provide financial advice.
See what a good score can save you
Bad
<580
Ok
580–669
Good
670–739
Great
740+
Try Fizz
Odds
Low
for apartment approval
You save
$0.00
on car loans*
You save
$0.00
on student loans**
*Based on a 72 months, $30,000 car loan
**Based on $35k private student loan with a 10-year term
See what a good score can save you
Bad
<580
Ok
580–669
Good
670–739
Great
740+
Try Fizz
Odds
Low
for apartment approval
You save
$0.00
on car loans*
You save
$0.00
on student loans**
*Based on a 72 months, $30,000 car loan
**Based on $35k private student loan with a 10-year term
Get Started for Free
Available on iOS and Android
for free
Reveal your credit score
Track your spending and budgets
Financial courses and tips
Try it
Members Get Even More
Supercharge your finances with a Fizz Membership
Build credit
Earn cash back
Daily autopay and spend limits
+ everything else you’d get without Membership.
Try it
Build Credit
with Fizz
Powered by Mastercard
More than just a card
Build credit with confidence
Earn cash back
Daily autopay and smart spend limits
No hidden fees or interest
Cash back and rewards
3% cash back in the spending category of your choice
Surprise rewards on the first Friday of every month
Flash deals for up to 100% off at your favorite spots
Earn over $300 in annual cash back and rewards value from your Fizz card and leave more money in your pocket – where it belongs.¹
How Fizz works
01
Become a Fizz Member, connect your existing bank account, and apply for a line of credit offered by our bank partner–no credit checks or co-signors needed!
02
Use your Fizz Card for everyday purchases, which get covered by your separate line of credit.
03
Take advantage of optional features like Daily Autopay and Fizz’s smart “Available to Spend” guidance to stay on top of your finances.
04
Fizz reports your repayment track record to the credit bureaus, so you can build credit while earning rewards!
Security and support
you can trust
Best in class encryption
We follow best in class frameworks like PCI-DSS and SOC2. Plus, you are secured with Mastercard’s Zero Liability Protection.
Top-tier customer support
If you need help or have any question, our customer support folks are standing by 7-days a week for real human help.
App controls
Block your card anytime from the app. Activate smart alerts to stay on top of your money and use FaceID to log in.
Start your financial journey today
Get Started
Enter this invite code to claim a 25%-off discount on a Fizz membership!
GOLDENKEY
Start your financial journey today
Get Started
Enter this invite code to claim a 25%-off discount on a Fizz membership!
GOLDENKEY
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 [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.
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 [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.
Get Started for Free
Available on iOS and Android
Reveal your credit score
Track your spending
Financial courses and tips
Try it
Members Get Even More
Supercharge your finances with a Fizz Membership
Build credit
Earn special rewards
Get a custom budget
+ everything else you’d get without Membership.
Try it
Security and support
you can trust
Best in class encryption
We follow best in class frameworks like PCI-DSS and SOC2. Plus, you are secured with Mastercard’s Zero Liability Protection.
Top-tier customer support
If you need help or have any question, our customer support folks are standing by 7-days a week for real human help.
App controls
Block your card anytime from the app. Activate smart alerts to stay on top of your money and use FaceID to log in.