Core Insights - The Fizz Credit-Building Visa® Card offers a unique approach to credit building by combining debit card features with a credit limit, allowing users to build credit while avoiding interest charges and hidden fees [1][5][17] - The card requires a membership fee, which may deter some users compared to traditional credit options like secured credit cards [1][6][13] Fizz Card Overview - Membership fees are set at $59.99 per year for students and $129.99 for non-students [4][6] - The card provides a cash-back rewards structure, offering 3% cash back in a chosen category, up to 25% cash back on daily deals, and up to 100% cash back on Friday deals [4][8] - Fizz card usage and payments are reported to major credit bureaus, which can help users build their credit history [5][12] Functionality and Features - The Fizz card is linked to a bank account, with a credit limit based on the account balance, capped at $1,000 [8][37] - Daily AutoPay and SafeFreeze features are designed to help users manage payments and avoid missed payments [6][8] - Users can earn cash-back rewards by making purchases at eligible retailers after finding offers in the Fizz app [7][11] Target Audience - The Fizz card is particularly suited for students looking to build their credit history, as it offers lower membership fees and user-friendly features [12][13] - The card may not be as appealing to non-students due to higher fees and the availability of other credit options with no annual fees [13][34] Comparison with Other Cards - Compared to traditional secured credit cards, the Fizz card has a membership fee but offers a unique cash-back rewards structure [25][28] - Other credit cards, such as the Capital One Quicksilver Secured and Discover it® Student Cash Back, may provide better rewards rates and no annual fees, making them more attractive alternatives [25][33]