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.

²Fizz's recurring Subscription Fee is charged to all Fizz Members for the Membership and is subject to change at any time. Fizz may offer certain customers promotional pricing (including for terms other than annual) in its sole discretion. 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. The Subscription Fee includes access to all Membership offerings and is neither a prerequisite for nor a guarantee to the Fizz Card and line of credit (terms and eligibility restrictions apply). 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. See joinfizz.com/policies/fee for details.

³Based on the Discover it Student Cash Back Card as of 4/30/25.

⁴Based on Capital One Savor Rewards as of 4/30/25.

⁵Annual cost for Traditional Student Credit Card and Traditional Secured Credit Card categories assumes that a customer has an outstanding monthly statement balance of $500, makes the minimum required payment of $25.00 each month, is subject the maximum APR advertised in the category (calculated using the Daily Periodic Rate), and is charged one $41 late fee per year (the national average according to the CFPB).

⁶Based on Capital One Quicksilver Secured as of 4/30/25.

⁷Based on the Discover it Secured card as of 4/30/25.

⁸Based on Capital One Quicksilver Secured as of 4/30/25.

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.

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.