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What is Fizz & how does it work?

The best option for college students looking to build their credit

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Written by Fizz
Updated over 3 weeks ago

What is Fizz?

Fizz is an all-in-one money app for college students, young adults, and anyone else looking to gain financial literacy and build their credit. While Fizz started as just a credit-building debit card, you can now use Fizz to monitor your credit score, budget your spending, take courses and quizzes to learn about finance, and so much more!

You can sign up for Fizz without getting a Fizz card. But the Fizz card is the best way for college students to build their credit and earn rewards without the hassle of applying for and managing a student credit card. Fizz has no hidden fees, will never charge you interest or late fees, and won't check your credit score.

How do I sign up?

  1. Download the Fizz app on the App Store or the Play Store

  2. Enter some personal information and connect your checking account

  3. Play around with limited features for free, or upgrade to a membership for full access!

How do I apply for the Fizz debit card?

  1. Sign up for a Fizz card, as shown above

  2. Make sure you're upgraded to a membership

  3. Apply for the card in the app

More info

  • We link to you bank account so that we can see how much you have and can help you budget your money. Your bank account connection also gives you your available to spend limit if you get a Fizz card.

  • We don’t do a credit check, so, once you're a Fizz Member, you can apply for a Fizz card, which provides you access to a line of credit offered by Lead Bank, even if you don't have any credit history.

  • When you enable daily Autopay, your purchases are paid off on a daily basis. You can also choose to make monthly payments if you like. Payments are deducted from your linked bank account. These payments get reported to the credit bureaus, helping you build your credit.

  • Once you have an account, you'll instantly receive a virtual card and you'll be able to access your card number. A physical card will arrive in the mail within 5-7 days.

  • Every day, Fizz recommends the maximum amount that you can spend based on how much money you have in your connected bank account.

  • We also partner with merchants so you can earn rewards when you shop at your favorite places - both on campus and around the country.

Terms apply.


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