Awarded:
Get approved in just minutes
Credit building with no interest, no hidden fees, and no credit checks required
Get Started
Get Started
As seen in:
How Mine works
Apply for a Mine Card
Apply for a Mine Card
Sign up and apply in minutes to see if you're approved. No credit score required.*
Sign up and apply in minutes to see if you're approved. No credit score required.*
Use your Mine Card for everyday purchases
Use your Mine Card for everyday purchases
Spend worry-free with no interest, late fees fees, or minimum deposits. Your limit is based on your bank balance, so you avoid spending more than you have.
Spend worry-free with no interest, late fees fees, or minimum deposits. Your limit is based on your bank balance, so you avoid spending more than you have.
Build credit on autopilot
Build credit on autopilot
Daily Autopay ensures your payments happen on-time. We report these to the major credit bureaus, making credit building simple and easy.
Daily Autopay ensures your payments happen on-time. We report these to the major credit bureaus, making credit building simple and easy.
Get Started
Trusted by students and alumni from 1000+ universities
Trusted by students and alumni from 1000+ universities
Trusted by students and alumni from 1000+ universities
Set yourself up for success with a Membership
Earn over $300 in annual value with the Mine Card¹
Earn over $300 in annual value with the Mine Card¹
Get cash back when you spend - 3% in a category you choose, local deals, and every weekly Mine Rewards Day, unlock up to 100% off at spots like Starbucks and Target.
Get cash back when you spend - 3% in a category you choose, local deals, and every weekly Mine Rewards Day, unlock up to 100% off at spots like Starbucks and Target.
Get insights on your cash with MoneyGPT
Get insights on your cash with MoneyGPT
Track your spending so you can budget smarter and save money with Al-powered insights.
Track your spending so you can budget smarter and save money with Al-powered insights.
Access premium courses, trivia and quizzes
Access premium courses, trivia and quizzes
Access dozens of financial literacy courses and quiz yourself with daily trivia that will keep you learning and growing.
Access dozens of financial literacy courses and quiz yourself with daily trivia that will keep you learning and growing.
How Mine Card dominates the competition
Traditional
credit cards
Credit checks
No Checks Required
Checks required
Minimum deposits
No deposit required
No deposit required
Late fees
No late fees
Up to $417
APR
No interest
Up to 29.74%
variable APR8
Cash back rewards
Yes (over $300
in annual value)5
Yes
Surprise deals every Friday
Yes (up to 100% off)
No
Personalized budgets
Yes
No
Guided financial lessons and quizzes
Yes
No
Total annual cost
From $59.994
$164.519
Get Mine
How Mine Card dominates the competition
Traditional
credit cards
Credit checks
No Checks Required
Checks required
Minimum deposits
No deposit required
No deposit required
Late fees
No late fees
Up to $417
APR
No interest
Up to 29.74%
variable APR8
Cash back rewards
Yes (over $300
in annual value)5
Yes
Surprise deals every Friday
Yes (up to 100% off)
No
Personalized budgets
Yes
No
Guided financial lessons and quizzes
Yes
No
Total annual cost
From $59.994
$164.519
Get Mine
How Mine Card dominates the competition
Traditional
credit cards
Credit checks
No Checks Required
Checks
required
Minimum deposits
No deposit
required
No deposit
required
Late fees
No late fees
Up to $417
APR
No interest
Up to 29.74%
variable APR8
Cash back rewards
Yes (over $300
in annual value)5
Yes
Surprise deals
Yes (up to 100% off)
No
Personalized
budgets
Yes
No
financial
education
Yes
No
annual cost
From $59.994
$164.519
Get Mine
Membership Pricing
free plan
$0
Get free
Includes:
Credit score monitoring
Guided financial lessons and quizes
AI budgeting
student annual plan
$5/mo
Billed annually at $59.99/year
Get Student
Includes:
Credit score monitoring
Guided financial lessons and quizes
AI budgeting
Build credit and earn rewards—no hidden fees, interest, or minimum deposits
3% cash back in a spending category of your choice for cardholders
Personalized budget tracking
Local rewards
standard annual plan
$11/mo
Billed annually at $129.99/year
Get Standard
Includes:
Credit score monitoring
Guided financial lessons and quizes
AI budgeting
Build credit and earn rewards—no hidden fees, interest, or minimum deposits
3% cash back in a spending category of your choice for cardholders
Personalized budget tracking
Local rewards
See Fee Table for details. Mine card Terms & elig. restr. apply.
Interested in paid plan features or the Mine Card but can't afford the Membership? We've got your back. Contact support in the app.
Membership Pricing
free plan
$0
Get free
Includes:
Credit score monitoring
Guided financial lessons and quizes
AI budgeting
student annual plan
$5/mo
Billed annually at $59.99/year
Get Student
Includes:
Credit score monitoring
Guided financial lessons and quizes
AI budgeting
Build credit and earn rewards—no hidden fees, interest, or minimum deposits
3% cash back in a spending category of your choice for cardholders
Personalized budget tracking
Local rewards
standard annual plan
$11/mo
Billed annually at $129.99/year
Get Standard
Includes:
Credit score monitoring
Guided financial lessons and quizes
AI budgeting
Build credit and earn rewards—no hidden fees, interest, or minimum deposits
3% cash back in a spending category of your choice for cardholders
Personalized budget tracking
Local rewards
See Fee Table for details. Mine card Terms & elig. restr. apply.
Interested in paid plan features or the Mine Card but can't afford the Membership? We've got your back. Contact support in the app.
Membership Pricing
free plan
$0
Get free
Includes:
Credit score monitoring
Guided financial lessons and quizes
AI budgeting
student annual plan
$5/mo
Billed annually at $59.99/year
Get Student
Includes:
Credit score monitoring
Guided financial lessons and quizes
AI budgeting
Build credit and earn rewards—no hidden fees, interest, or minimum deposits
3% cash back in a spending category of your choice for cardholders
Personalized budget tracking
Local rewards
standard annual plan
$11/mo
Billed annually at $129.99/year
Get Standard
Includes:
Credit score monitoring
Guided financial lessons and quizes
AI budgeting
Build credit and earn rewards—no hidden fees, interest, or minimum deposits
3% cash back in a spending category of your choice for cardholders
Personalized budget tracking
Local rewards
See Fee Table for details. Mine card Terms & elig. restr. apply.
Interested in paid plan features or the Mine Card but can't afford the Membership? We've got your back. Contact support in the app.
FAQ
Why choose Mine?
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 25 25" xmlns="http://www.w3.org/2000/svg"><path d="M 10.819 1.66 C 10.842 0.737 11.597 0 12.521 0 C 13.445 0 14.2 0.737 14.222 1.66 L 14.222 3.362 L 10.819 3.362 Z M 10.819 3.564 L 14.223 3.564 L 14.223 6.968 L 10.819 6.968 Z M 10.819 7.172 L 14.223 7.172 L 14.223 10.576 L 10.819 10.576 Z M 0 12.479 C 0 11.539 0.762 10.778 1.702 10.778 L 3.404 10.778 L 3.404 14.181 L 1.702 14.181 C 0.762 14.181 0 13.419 0 12.479 Z M 3.607 10.778 L 7.011 10.778 L 7.011 14.182 L 3.607 14.182 Z M 7.213 10.778 L 10.616 10.778 L 10.616 14.182 L 7.213 14.182 Z M 10.819 10.778 L 14.223 10.778 L 14.223 14.182 L 10.819 14.182 Z M 14.425 10.778 L 17.829 10.778 L 17.829 14.182 L 14.425 14.182 Z M 18.032 10.778 L 21.436 10.778 L 21.436 14.182 L 18.032 14.182 Z M 21.638 10.778 L 23.34 10.778 C 24.263 10.8 25 11.555 25 12.479 C 25 13.403 24.263 14.158 23.34 14.181 L 21.638 14.181 Z M 10.819 14.385 L 14.223 14.385 L 14.223 17.788 L 10.819 17.788 Z M 10.819 17.99 L 14.223 17.99 L 14.223 21.394 L 10.819 21.394 Z M 10.819 21.598 L 14.222 21.598 L 14.222 23.299 C 14.2 24.223 13.445 24.959 12.521 24.959 C 11.597 24.959 10.842 24.223 10.819 23.299 Z" fill="rgb(60, 60, 61)" height="24.959468573242372px" id="AKPgH_qV4" width="25.000001208977096px"/></svg>)
Mine is the safest and most transparent way to build your credit. We offer amazing rewards so that you can save money while enjoying your favorite spots! Having an established score will be handy when it comes time to secure good rates on insurance or applying for apartments (or even refinancing loans). Read more here!
How does Mine work?
Mine works by first connecting to your existing bank account. We'll give you a credit line, from our partner Lead Bank, that reflects your balance to keep you from overspending. Mine also comes with two key features that can help keep you on top of your game. With daily Autopay, we'll automatically pay off your purchases every day, so that you're starting each day fresh. With SafeFreeze, we'll lock your card if you happen to miss a payment so that you can't keep building up your balance. Every month we report your great spending habits to the credit bureaus, helping build your credit history.
How can Mine build my credit history?
With Mine, you get an unsecured line of credit from Lead Bank. But while traditional credit cards make it easy to overspend, go into debt, and damage your credit score, Mine makes being responsible easier than ever. With our spend-limit feature, we discourage you from spending more than you can afford. You can also pay off your daily card balance automatically with daily Autopay, and we report your spending habits to the credit bureaus, helping you build credit history.
How does Mine report my credit?
Mine reports to the Experian and TransUnion on a monthly basis. If your purchases are paid off in full and on time, we'll report that. But if you miss payments and your account is delinquent, we'll report that as well. A good way to stay on top of your payments is by using daily Autopay. This ensures your purchases will be paid off for you on a daily basis and you won't miss any payments.
Can I cancel Mine?
Yes! You can cancel at any time.
How does Mine make money?
We make money from the interchange fees charged to merchants when you use your card. For example, when you use your Mine card at your local coffee shop, the coffee shop has to pay a small percentage of your transaction to Mastercard. Mine then takes part of that percentage.
Who do I contact for support or additional questions?
We are excited to answer any questions you might have. You can reach us via chat here, or send an email to [email protected]
Is Mine the same as Fizz?
Yes. Fizz is now Mine. Fizz rebranded to Mine in January 2026 as a new brand for your financial future.
FAQ
Why choose Mine?
Mine is the safest and most transparent way to build your credit. We offer amazing rewards so that you can save money while enjoying your favorite spots! Having an established score will be handy when it comes time to secure good rates on insurance or applying for apartments (or even refinancing loans). Read more here!
How does Mine work?
Mine works by first connecting to your existing bank account. We'll give you a credit line, from our partner Lead Bank, that reflects your balance to keep you from overspending. Mine also comes with two key features that can help keep you on top of your game. With daily Autopay, we'll automatically pay off your purchases every day, so that you're starting each day fresh. With SafeFreeze, we'll lock your card if you happen to miss a payment so that you can't keep building up your balance. Every month we report your great spending habits to the credit bureaus, helping build your credit history.
How can Mine build my credit history?
With Mine, you get an unsecured line of credit from Lead Bank. But while traditional credit cards make it easy to overspend, go into debt, and damage your credit score, Mine makes being responsible easier than ever. With our spend-limit feature, we discourage you from spending more than you can afford. You can also pay off your daily card balance automatically with daily Autopay, and we report your spending habits to the credit bureaus, helping you build credit history.
How does Mine report my credit?
Mine reports to the Experian and TransUnion on a monthly basis. If your purchases are paid off in full and on time, we'll report that. But if you miss payments and your account is delinquent, we'll report that as well. A good way to stay on top of your payments is by using daily Autopay. This ensures your purchases will be paid off for you on a daily basis and you won't miss any payments.
Can I cancel Mine?
Yes! You can cancel at any time.
How does Mine make money?
We make money from the interchange fees charged to merchants when you use your card. For example, when you use your Mine card at your local coffee shop, the coffee shop has to pay a small percentage of your transaction to Mastercard. Mine then takes part of that percentage.
Who do I contact for support or additional questions?
We are excited to answer any questions you might have. You can reach us via chat here, or send an email to [email protected]
Is Mine the same as Fizz?
Yes. Fizz is now Mine. Fizz rebranded to Mine in January 2026 as a new brand for your financial future.
FAQ
Why choose Mine?
Mine is the safest and most transparent way to build your credit. We offer amazing rewards so that you can save money while enjoying your favorite spots! Having an established score will be handy when it comes time to secure good rates on insurance or applying for apartments (or even refinancing loans). Read more here!
How does Mine work?
Mine works by first connecting to your existing bank account. We'll give you a credit line, from our partner Lead Bank, that reflects your balance to keep you from overspending. Mine also comes with two key features that can help keep you on top of your game. With daily Autopay, we'll automatically pay off your purchases every day, so that you're starting each day fresh. With SafeFreeze, we'll lock your card if you happen to miss a payment so that you can't keep building up your balance. Every month we report your great spending habits to the credit bureaus, helping build your credit history.
How can Mine build my credit history?
With Mine, you get an unsecured line of credit from Lead Bank. But while traditional credit cards make it easy to overspend, go into debt, and damage your credit score, Mine makes being responsible easier than ever. With our spend-limit feature, we discourage you from spending more than you can afford. You can also pay off your daily card balance automatically with daily Autopay, and we report your spending habits to the credit bureaus, helping you build credit history.
How does Mine report my credit?
Mine reports to the Experian and TransUnion on a monthly basis. If your purchases are paid off in full and on time, we'll report that. But if you miss payments and your account is delinquent, we'll report that as well. A good way to stay on top of your payments is by using daily Autopay. This ensures your purchases will be paid off for you on a daily basis and you won't miss any payments.
Can I cancel Mine?
Yes! You can cancel at any time.
How does Mine make money?
We make money from the interchange fees charged to merchants when you use your card. For example, when you use your Mine card at your local coffee shop, the coffee shop has to pay a small percentage of your transaction to Mastercard. Mine then takes part of that percentage.
Who do I contact for support or additional questions?
We are excited to answer any questions you might have. You can reach us via chat here, or send an email to [email protected]
Is Mine the same as Fizz?
Yes. Fizz is now Mine. Fizz rebranded to Mine in January 2026 as a new brand for your financial future.
It's time to build your future.
Get started in minutes
It's time to build your future.
Get started in minutes
It's time to build your future.
Get started in minutes
Why people love Mine
4.8 ★
on the app store¹
4.8 ★
Google Play¹
100k
Subscribers
1k+
College Campuses
Why people love Mine
4.8 ★
on the app store¹
4.8 ★
Google Play¹
100k
Subscribers
1k+
College Campuses
Why people love Mine
4.8 ★
on the app store¹
4.8 ★
Google Play¹
100k
Subscribers
1k+
College Campuses