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
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 0xNo base rewards: select merchant offers only
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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