Mine Credit Builder Review 2026: A Closer Look at the Former Fizz Card

Best for Young Adults

4.5 _/5

Our take: The Mine Card is a solid option for college students and young adults who want a structured, low-risk way to build credit. Its automatic payments and spending limits tied to your bank account make it easier to avoid debt and stay on track. But that convenience comes with a monthly cost, which may not be worth it if you’re comfortable managing a traditional credit card or can qualify for a no-fee alternative.

Credit Builder Card

• Daily autopay for card balance
• 3% cash back + weekly 100% cash back offers at select merchants
• Low-effort credit building
• Easy-to-use app with budgeting tools

• Monthly membership adds up
• Must pay to use credit-building features
• Low credit limits

Membership cost	$129.99/year (non-students); $59.99/year (students)
Credit line limits	$90 – $1,000 typical
Rates (APR)	None
Min. deposit	None
Cash withdrawals	Not available

What is the Mine credit builder?

Mine is a credit-building app designed to help you improve your credit while managing your day-to-day spending.

It centers around the Mine Card, which works more like a debit card than a traditional credit card. Your spending limit is based on your linked checking account, and payments are handled automatically, which can make it easier to stay on track.

The app also includes tools like spending tracking, weekly financial summaries, and AI-powered insights. Together, these features position Mine as more of an all-in-one financial app rather than just a credit-building product.

At a high level, it’s a structured, low-effort way to build credit—but it comes with a monthly cost that may not make sense for everyone.

From Fizz to Mine: Company profile

Mine started as Fizz, a startup focused on helping young adults build credit more safely and easily.

Co-founders Scott Smith and Carlo Kobe were motivated by their own experiences. Kobe, an international student at Harvard, struggled to access credit in the U.S., while Smith, a Cornell student with a strong interest in personal finance, saw how confusing credit products could be.

Fizz was built as a more controlled alternative to traditional credit cards, tying spending to a user’s bank balance and automating payments to reduce the risk of debt.

The company has since rebranded to Mine, expanding beyond credit building into a more comprehensive financial app with budgeting tools and personalized insights.

How does the Mine credit builder work?

Mine is built around a debit-style card paired with a reported credit line and automated payments.

Once approved, you’re given a spending limit, often based on your linked checking account. Credit lines typically range from about $90 to $1,000, depending on your financial profile. You can use the card for everyday purchases, and your activity is tracked similarly to a credit account.

Instead of carrying a balance, payments are handled automatically—often daily—using your connected bank account. This helps ensure consistent on-time payments without requiring much effort.

Mine reports your payment history and usage to the credit bureaus, typically every 30 days. Over time, that consistent activity can help improve your credit score, especially if you’re starting from scratch.

Features of the Mine card

Mine Card: credit-building without a deposit

The Mine Card works as a hybrid between a debit card and a credit line. You don’t need a security deposit or co-signer to get started, and approval doesn’t rely on a traditional credit check.

Daily autopay and smart spending limits

Balances are automatically paid off using your connected account. Your spending limit adjusts based on your available funds, helping reduce the risk of overspending or missed payments.

MoneyGPT™: AI budgeting and weekly insights

MoneyGPT is Mine’s built-in AI tool that analyzes your spending and provides personalized insights. It offers weekly summaries, budgeting suggestions, and tips to help you better manage your money.

Cash back rewards

Paid members can earn 3% cash back in a selected spending category, making it easier to get ongoing value from everyday purchases.

Rewards Day (formerly Fizz Friday)

Mine also offers weekly “Rewards Day” deals, where you can get up to 100% cash back at select merchants, though you’ll typically need to activate and use the offer within a limited window.

Financial learning tools

Mine includes access to short lessons and quizzes designed to help you build confidence around credit, budgeting, and personal finance basics.

Security and account protection

The card includes standard protections like bank-level encryption, fraud monitoring, and the ability to lock your card directly in the app.

How much does it cost to use Mine?

Mine offers both a free plan and a paid membership, depending on how you want to use the app.

The free version includes basic tools like credit monitoring, financial education, and some budgeting features. It’s useful for tracking your progress, but it doesn’t include the Mine Card.

To actually build credit with the Mine Card and unlock rewards, you’ll need a paid plan:

• Students: $5/month (billed $59.99 annually)
• Non-students: $11/month (billed $129.99 annually)

What fees does Mine charge?

Mine keeps fees relatively simple:

• No interest charges
• No late fees
• No security deposit

The main cost is the membership itself, which is required to use the credit-building features.

Are there any additional costs?

There aren’t many extra fees, but a few things to keep in mind:

• Replacement or expedited cards may cost extra
• Rewards require activation and timely use
• You’ll need a linked bank account with sufficient funds

Overall, Mine isn’t free if you want to build credit—but its pricing is more predictable than many traditional credit products.

Who qualifies for a Mine credit builder card?

Mine has relatively flexible eligibility requirements compared to traditional credit cards. You don’t need a credit history, a co-signer, or a security deposit to apply.

To qualify, you’ll generally need to meet the following:

Age	18 years or older
Citizenship	No requirement
Banking	U.S. checking account
Min. account balance	$150
Residency	U.S. address

Because approval isn’t based on a traditional credit check, Mine may be more accessible if you’re new to credit or have limited history. However, you’ll still need enough funds in your account to support your spending limit.

Mine credit builder reviews

Because Mine recently rebranded, most available reviews still reflect its earlier version under the Fizz name.

Source	Rating	Number of reviews
Trustpilot (Fizz rating)	3.8/5	217
Google Play	4.7/5	3.62K

Overall, the company appears legitimate, with backing from well-known investors like Y Combinator and Kleiner Perkins. However, it’s still a relatively young fintech and is not BBB-accredited.

• What it does well: Users—especially students and young adults—tend to like the simplicity of the product and the hands-off approach to building credit.
• Where to be cautious: The paid membership is a common complaint, and some users say rewards and promotional offers can be confusing or difficult to redeem.

Pros and cons

Pros

• Daily autopay for card balance

  Payments are handled automatically, reducing the risk of missed payments.

• 3% cash back + Rewards Day perks

  Earn ongoing rewards plus rotating high-value cash back offers at select merchants.

• Low-effort credit building

  Activity is reported to credit bureaus with minimal manual effort required.

• No deposit, no credit check, no co-signer

  Easier to qualify than traditional credit-building products.

• Easy-to-use app with built-in budgeting tools

  Includes tracking, insights, and basic financial guidance in one place.

Cons

• Monthly membership required for full features

  You’ll need to pay to access the card and rewards.

• Limited value on free plan

  The free version doesn’t include the core credit-building functionality.

• Low spending limits ($90–$1,000)

  May not be enough for users with higher spending needs.

• Rewards can be inconsistent or time-sensitive

  Some offers require activation and expire quickly.

Alternatives

Here’s how Fizz stacks up against our top picks for the best credit builder loans. (Before you make a decision, view our picks for the 10 best credit building apps.)

Mine vs. Chime

Chime offers a secured credit card and is one of the few options with no annual fee. Unlike Mine, you’ll need to deposit money upfront to set your limit, but you won’t pay ongoing membership costs.

Mine vs. Self

Self’s credit builder account is structured as a loan rather than a card. You make fixed monthly payments over time, and the funds are released at the end of the term. It’s a better fit if you prefer a forced savings approach instead of ongoing spending.

Mine vs. CreditStrong

CreditStrong also uses a credit builder loan model, with longer terms (24 to 48 months) and fixed monthly payments. Compared to Mine, it offers more structure but less flexibility for everyday spending.

How we rated Mine

We designed LendEDU’s editorial rating system to help readers find companies that offer the best credit builder loans. Our system awards higher ratings to companies with affordable solutions, positive customer reviews, and online transparency of benefits and terms.

We compared Mine to several credit builder lenders, using hundreds of data points from company websites, public disclosures, customer reviews, and direct communication with company representatives. We weighted, scored, and combined each factor to produce a final editorial rating. This rating is expressed on a scale from 1 to 5, with 5 being the highest possible score. Our take is represented in our rating and best-for designation, recapped below.