The Fizz card is not a secured credit card. Secured credit cards require a cash security deposit from the cardholder (you) when you open the account and the deposit acts as collateral, providing the card issuer with security in case a payment isn't made.

Unlike a secured credit card, you're not required to put down a deposit to get a Fizz card and Fizz does not charge late fees. Before using your Fizz card, you'll be asked to link your checking account. At the end of the day, Fizz tallies up how much you’ve spent and that amount is debited from your connected checking account. As a result, your maximum amount available to spend will typically change from day to day. But as long as you use daily Autopay, you'll always be starting from zero, so you won't be stuck with a big surprise bill at the end of the month.

We believe that secured cards are inconvenient to use, since not everyone has the ability to deposit enough money in order to build credit. Fizz makes things easy and keeps the money where it belongs - right in your pocket.

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