VisaMine Card (formerly Fizz)
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.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
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.
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