There’s a simple answer to this question. Yes! You should put all your purchases on your Fizz card. Fizz is designed to be used on a daily basis as your primary card. To make matters even better, using your Fizz card can help you build credit and earn even more rewards. And Fizz’s daily repayment cycle (which you can automate with daily Autopay) makes it easy to spend without worrying about debt and overspending. Let’s take a closer look at why you should put everything on your Fizz card and how it can help you get ahead.
Why should I put everything on my Fizz card?
There are a few reasons why you should be putting all your expenses on your Fizz card. First and foremost is the fact that using Fizz can help you earn rewards around campus, when you go home, when you travel, and even when you shop online. You can see where you’ll earn cash back by checking out the rewards tab on the Fizz app - and you might surprise yourself if you end up spending money at a place that you didn’t even know was a part of the Fizz cash back network.
It’s also important to use your Fizz card regularly from a credit building perspective. Without regular purchases, your account could close due to inactivity. Using your Fizz card regularly is the best way to avoid accidentally closing your account, which could hurt your credit score. Pro tip: if you’re going abroad for a while and won’t be using your card, let us know so we can make a note on your account.
Getting in the habit of using your Fizz card for all your purchases is also a great way to ensure you’ll be able to spend at most places. Some smaller businesses only take debit card, so if you walk in trying to use a credit card, you might be stuck with a minimum purchase requirement or an extra processing fee. Fizz, however, is a debit card - so you won’t have the same worry.
Fizz is also the best way to keep yourself from overspending and going into debt. With Fizz, budgeting is easier than ever. With features like daily Autopay and SafeFreeze, using your Fizz card for all your purchases is the best way to stay on top of your finances.
Busting a popular myth
There’s another reason why it’s a good idea to put all your spending on your Fizz card is that it’s actually more effective at building your credit than a normal credit card. You may have heard about credit utilization or, more simply put, how you’re only supposed to spend a little bit on your credit card every month to help your score. This isn’t the case with Fizz!
With a normal credit card, you spend all month and build up a big balance that you have to pay back at the end of the month. If you’re constantly using your credit card, this process can drive up your credit utilization rate and harm your score.
Your Fizz card, on the other hand, operates on a daily payment cycle when you use daily Autopay. This means that you purchases are paid off on a daily basis, keeping your credit utilization low over the course of the month. This can be a big boost to your score and it allows you to use your card on a daily basis without worry about putting too much on it.
The bottom line
You should definitely be using your Fizz card for all your purchases. There’s no reason not to, aside from the occasional big purchase that might be larger than your total available to spend balance. Using Fizz for everything is the best way to earn rewards, stay out of debt, prevent yourself from overspending, and build your credit score. Plus, it’s way easier than having to think about using multiple cards.
Fizz is out now and available to anyone who wants it. So don’t wait! Head over to the App Store, sign up for Fizz, and start building for your financial future today.
Sam is a Kenyon College alum and is head of content at Fizz. He's been a go to personal finance resource among his peers since getting his first credit card during his sophomore year of college. He hails from Washington, DC, loves all things aviation, and currently lives in Los Angeles.