Mine Card (formerly Fizz)
By Alex Compton · Last verified
The college credit builder that rebranded from Fizz to Mine and started charging real money.
Welcome Bonus
None
No welcome offer
Spend Requirement
None
Annual Fee
$60
No FTF
Credit Score
No
credit history required (no credit check)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
Membership pricing and no-credit-check mechanics unchanged
Mine Card (formerly Fizz) product page → - unavailable
usemine.com and help.usemine.com return 403 or a Cloudflare challenge even headless; record left unchanged.
Mine card page → - unavailable
usemine.com returns 403 to curl and 'Site not found' in a headless browser; joinfizz.com 404; no official terms page readable; record left unchanged
Mine card page →
Source checked 2026-10-19 · spot an outdated offer? Report a correction above.
Earning Rates
- 0xNo base rewards: select merchant offers only
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Spends like debit against your linked bank balance, reports as a credit line
- ✦Daily autopay makes missed payments structurally unlikely
- ✦No credit check, no interest, and no SSN-based underwriting hurdles
- ✦Built for college students with budgeting tools in the app
- ✦Issued through Lead Bank on the Visa network
Why it earns its spot
- +Debit-style mechanics with a real credit tradeline
- +No interest and no overspending risk
- +Student pricing is cheaper than the general rate
Where it costs you
- −Costs $5.99 a month for students and $11.99 for everyone else, about $60 to $144 a year
- −Stopped reporting to Equifax in September 2025; only Experian and TransUnion see it
- −Free rivals like Chime, Varo, and Current do the same job
The Compound Verdict
Fizz was a clever free hack for college kids; Mine is the same product with a subscription attached and one fewer bureau on the report. Paying $60 a year for a tradeline that Equifax never sees is a hard sell when Chime and Varo charge nothing and report to all three. Only worth it if the app's student budgeting features genuinely earn their keep.
Rate this card
Be the first to rate it
Commentson Mine Card
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.