Fizz Card 2025 Credit Builder Review: Help for Young Adults Without Credit (at a Cost)

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Our take: The Fizz card is an excellent pick for college students and young adults who can afford a monthly fee and need help building credit. The debit card’s daily autopay feature ensures you’re never stuck with a monthly bill, and the company creates spending limits based on your checking account balance. But the perks come at a cost, and it might be more than you want to spend. (For alternatives, check out our top 10 credit building apps.)

Credit Builder Card

• Daily autopay for card balance
• Generous rewards
• Low-effort credit building
• Easy-to-use app and website

• Monthly fee adds up
• Must pay to use most features
• Low spending limits

Annual fee	$129.99 for non-students; $59.99 for students
Rates (APR)	None
Min. deposit	None
Cash withdrawals	Not available

The Fizz card is a debit card that lets you easily build credit and earn rewards with everyday purchases. It’s a new alternative to other credit builder apps, but it’s not the right option for everyone. 

Daily autopay ensures you never miss a payment, and your checking account balance determines your spend limit, so you won’t find yourself with an unaffordable bill at the end of the month. Here’s how to decide whether it’s the right pick for you.

Table of Contents

1. Company profile
2. What is Fizz?
   1. Membership
   2. Partner banks
   3. Credit reporting policy
3. Unique features
   1. Fizz Friday
   2. Daily autopay
   3. Available to spend
   4. Financial courses
   5. Rewards and cash back
4. Who qualifies?
5. Customer reviews and ratings
6. Pros and cons
7. Alternatives
   1. vs. Chime
   2. vs. Self
   3. vs. CreditStrong

Fizz Card company profile

Co-founders Scott Smith and Carlo Kobe had different experiences with credit cards. Kobe, an international student from Germany at Harvard, wasn’t able to access credit, while Smith was a self-taught financial guru attending Cornell. 

But despite the differences, they both concluded that it’s almost impossible to navigate the financial landscape as a young adult without the right products.

What is Fizz?

Fizz is a new take on long-standing products like secured cards and credit builder loans. Its biggest selling point is that it allows you to build credit while making it nearly impossible to overspend, rack up fees, and fall into debt. 

The company still has to earn money, though, and it charges a monthly membership fee for the card. It could be a worthwhile expense if you have a history of credit card debt or can’t afford to tie up hundreds of dollars in secured deposits.

But you can find a cheaper option if you already have a credit history and trust that you can make payments on time.

Fizz membership

Membership costs $5 per month for students and $11 for non-students. You can create a free account, but the features are minimal. The fee adds up, but paying monthly makes it easier to afford. 

Partner banks

Fizz partners with Patriot Bank and Lead Bank to issue financial products. The Fizz card is a Mastercard, which you can use at every major retailer. 

Credit reporting policy

The Fizz card reports your transactions and payment history to the credit bureaus every 30 days. Features like daily autopay and up-to-date spend limits make it easier to form routines that improve your score. 

Unique features

Let’s take an in-depth look at some of the Fizz debit card’s standout features. 

Fizz Friday

Fizz offers special offers in the app every Friday. You’ll need to activate the offer in the Fizz app to claim it. A recent Fizz Friday included 100% off at Starbucks for up to $6 per cardholder. The perks are free and easy to use. 

Daily autopay

Fizz allows you to set up daily autopay so you never carry a balance. It’s a low-effort way to make sure you’re increasing your score. 

Available to spend

Your spending limit is based on the balance in your connected bank account. The amount you have available to spend is your spending limit minus pending purchases and payments due today. 

Financial courses

Fizz offers financial courses for all members, even users with a free account. The AI detective tool recommends changes you can make with your budgeting, card usage, and credit score. 

Rewards and cash back

You earn 3% cash back in the spending category you choose, plus extra flash deals for cash back at your favorite stores. Fizz also offers 100% cash back at a different store or restaurant every Friday. 

Who qualifies for Fizz?

You must meet the following eligibility requirements to open a Fizz credit Card. 

Age	18 years or older
Citizenship	No requirement
Banking	U.S. checking account
Min. account balance	$150
Residency	U.S. address

Is Fizz Card legit? Customer reviews and ratings

Source	Rating	Number of reviews
Trustpilot	4.2/5	196
App Store	5.0/5	2

Here’s the bottom line: Fizz is a new company that’s only been around for four years. It’s a legitimate business with big-name investors from Y Combinator, SV Angel, and Kleiner Perkins backing it. But it’s still a startup, and the company isn’t Better Business Bureau (BBB-accredited) yet. 

• What it does well: Fizz effectively serves a specific population. College students and other young adults appreciate supportive customer representatives and a product that does exactly what it says. 

• Where to be cautious: The Fizz card membership costs money, and some users report that the pricing information is hidden. Others find the flash deals confusing and impossible to use before they end.

Fizz card pros and cons

Pros

• Daily autopay for card balance

• Generous rewards

  These include 3% cash back in the spending category of your choice, up to 100% cash back on select merchants every Friday, and flash deals for cash back.

• Low-effort credit building

• Easy-to-use app and website

Cons

• Monthly fee

• Must pay to use most features

• Low spending limits

Fizz Card alternatives

Here’s how Fizz stacks up against our top picks for the best credit builder loans. (Before you make a decision, view our picks for the 10 best credit building apps.)

Fizz Card vs. Chime

Chime offers a secured card that’s our top pick for credit-building products. It’s a different setup than Fizz because you deposit money into a separate account and then spend up to the limit. You can decide how much you deposit, and you won’t ever pay any annual fees or interest. 

Fizz Card vs. Self

Self’s credit builder account is an alternative for people who can’t pay a lump sum deposit and don’t want upfront fees. You make a monthly payment between $25 and $150 for 24 months. Self reports the payments to the credit bureaus, which help you build credit. You get the money back at the end of the term, minus fees. The company also offers a secured credit card.

Fizz Card vs. CreditStrong

The CreditStrong Instal credit builder loan is similar to the Self credit builder account. The biggest difference is that CreditStrong’s terms are from 24 to 48 months for extra flexibility. Monthly payments range from $28 to $48, depending on the term.