Fizz is a financial technology company that provides a credit-building debit card and app tailored for young adults and students. Founded by Carlo Kobe and Scott Smith, Fizz helps users build credit responsibly without the drawbacks of traditional credit cards, such as interest rates and hidden fees.

The core product, the Fizz Card, is a Mastercard-powered debit card linked to a line of credit from a bank partner. Users can apply for this line of credit without credit checks or co-signers, allowing them to make everyday purchases while building their credit history. Fizz reports repayment activity to major credit bureaus, helping users establish a positive credit profile.

Fizz offers features like no interest rates or hidden fees, smart spending tools, cash back rewards, and financial education resources. The app includes budgeting tools and credit monitoring to enhance financial literacy. With connections to over 15,000 banks, Fizz makes it easy for users to manage their finances. The company is recognized for its focus on college students and young adults, providing a transparent and supportive way to start their credit journey.