I normally don’t do reviews, but really appreciate what Fizz does. I have a really crummy credit score, and have for a long time. In my last year of college, I realized I had no credit record other than the loans I had for school, so I went and got a big credit card company college card and ran my credit into the ground because I wasn’t responsible. I remember the exact day I was on tik tok and saw a tiktoker (I think his name is Tyler Prue or Kyler Prue) showing a commercial for Fizz. It was so bonkers that I looked it up. I learned more from their website about how credit works than I did from semi financially-literate family in about 15 minutes. I decided I would try it out because from the research I did (there was not many reviews because it was pretty new), it seemed a fool proof way to build credit. Fizz is really good. They have little things they teach you about how credit works and how to learn to be responsible. The best thing is it really doesn’t function like a credit card, but more like a debit card. So I could never put myself in the whole like I had with other cards. Sorry this is all a little round about, but I truly do think this is a great beginner card. P.S. I never used the premium version. I’ve thought about it but have not committed yet. So this review is just for the base version.

I joined Fizz because I’ve followed Kyle Prue on TikTok for longer than he’s been promoting Fizz. I saw his commercials and then saw my credit score and said “hey, maybe that will help me”. I’ve had a couple instances where I’ve had to message for assistance, and that process is so easy and personal as well, actually texting with a real person who does everything they can to help and make sure that what they say is accurate. As recent as today, I messaged because I have a balance and my paycheck hasn’t come in as expected and I was stressed that my balance would negatively affect my credit and close my Fizz account. They were able to extend my deadline to accommodate me and they were so friendly and understanding about it. My credit score has improved since using Fizz, and I would give actual stats but I’ve also done other work so I can’t say it was all because of Fizz, but I’ve gained a significant amount of points. As someone who is in debt because of being a dumb kid and also because of debt that I couldn’t really avoid (medical bills sent to collections), it’s very helpful that I can only spend what I have, and that my own money is helping my credit.

Overall a good app and I LOVE the rewards system. Only complaints I have so far is that I made a payment reached out to support and ask if the repaid funds were available to me right away or would it be when it shows posted on Fizz, I was told it’s available to me right then and there since I showed $0 balance. After a few transactions my card declines, I reached back out to support and got the same agent that told me funds were available day I made the payment. I let her know my card was declining even though I had x limit on there. She then said it’s because I had insufficient funds and ONCE my payment post on Fizz’s end THEN I’ll be able to keep using my card funds. Kind of an inconvenience and annoyed how it’s the same agent but two polar opposite of what she was telling me. Eventually my payment did post and I was able to use my card normally again. I also JUST made my payment of what my balance was as a whole and reached out to support (same agent again) and was told it’ll post on Fizz by January 2, 2026 so we’ll see! I do LOVE using this card for food/restaurants and getting points back! I love fizz just wish agents were accurate with what they’re telling us, also hope in the future we’re able to break down payments like an actually credit card through your bank!

First they get you to do all the signup stuff giving out all of your information,, linking bank accounts etc. THEN you can tap get card to get their card. THEN they tell you it’s a monthly fee for the card billed yearly. Still you have to pay this to even apply initially. Luckily you can chat se customer service to bypass the fee and get an application. But then you have to argue with them and read to them their own terms because they state they only do the cards for people with memberships. Eventually they fix it an allow you to apply. Now here’s where things go weird(er) than they were. Now you link to a 3rd party verification service, front and back of ID card, Selfie, all your full SSN etc. Then it finally came back “cant verify your identity” Instantly suspect…. So I chat them get a pre-formatted “due to security measures we cant disclose our process etc etc” Convenient that any other company can verify me with less information but you cant? I bet if I paid that fee I would have been verified. Even WORSE is I try to have them delete my info. They keep passing me around to other reps and they keep posting the same long form message about the security. I w just want my personal information unlinked from Plaid and deleted off their system. AVOID this app. It feels like a form of personal information mining and is advertised online in apps that its about the card etc but you cant see anything without paying.