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Fizz
Build credit, not credit card debt.
Fizz is the #1 money app for students, helping you build credit, budget, learn about personal finance, and set you up for a brighter financial future. We're excited to offer a 30-day free trial through our partnership when you sign up. It's never too early to start down the path of financial success!
NSHSS handpicks its partners carefully, searching for nonprofits, organizations, and companies that directly align with our mission to provide the best resources for our members and their families. We may receive compensation from our partners, at no cost to you.
How Fizz works
Use your Fizz Card for everyday purchases
Spend worry-free with no interest, hidden fees, or minimum deposits — just connect your bank, and get a credit limit based on how much you have in your account.
Build credit on autopilot
Daily Autopay ensures your payments happen on-time. We report these to the major credit bureaus, making credit building simple and easy.
Set yourself up for success
Earn over $300 in annual value with the Fizz Card¹
Get cash back when you spend – 3% in a category you choose, local deals, and every Fizz Friday, unlock up to 100% off at spots like Starbucks and Target.
Plan with advanced budgeting and credit monitoring tools
Get insights on spending and a custom budget to help you save. Check your credit score for free and get tips to improve it.
Access premium courses, trivia and quizzes
Access dozens of financial literacy courses and quiz yourself with daily trivia that will keep you learning and growing.
Trusted by students from top universities
Start to build credit and get a 30-day free trial of Fizz
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.
1As 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. Over $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.
Credit 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 support@joinfizz.com, 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.