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Point is bringing exceptional rewards and benefits to the debit card. Say goodbye to credit card debt and interest payments. Apply inside Point App and begin using Point Card instantly. Membership plans start at $5/month.


Point Card — Rewards and benefits without the downsides of a credit card. Simplicity and transparency built right in.

Point App — Mobile banking that throws out the rule book and gives you a precision tool for managing your finances.


• 5x points on subscriptions like Netflix, Spotify and more.¹

• 3x points on food delivery and rideshare like DoorDash, Postmates, Uber, Lyft and more.²

• 1x points on everything else.³

• Phone insurance — Get reimbursed up to $1,000 per year if your phone is lost or damaged when you pay your phone bill with Point Card.⁴

• New purchase insurance — We’ll reimburse you up to a $1,000 if a new item bought with Point Card is damaged or lost within 90 days of the purchase.⁵

• Trip cancellation insurance — Point Card covers up to $1,500 for any out-of-pocket expenses you incur if your trip is cancelled or delayed.⁶

• Car rental insurance — When you pay with Point Card, you're automatically covered for any physical damage or theft to your rental car.⁷

• Point Virtual Card — Virtual Card is a unique all-digital card that enables you to pay online without ever sharing your physical card number.

• Same Day Transfers — Point features same day bank transfers as standard. That means funds you transfer into Point from any bank arrive the very same day.⁸

• No international travel fees.⁹

Apply inside Point App and begin using Point Card instantly upon approval. No credit check required.

Points are redeemable for cash back instantly. Points never expire. There is no cap. 1 point = $0.01.

For member support, please email help@point.app or text (650) 539-2701.

To learn more, please visit www.point.app

1. 5x points on subscriptions is applicable on the following services: Netflix, Hulu, HBO Max, YouTube Premium, Spotify, Pandora, Feather, and Headspace.
2. 3x points on food delivery and rideshare services is applicable on the following services: DoorDash, Uber Eats, Postmates, Caviar, GrubHub, Seamless, Instacart, Good Eggs, Uber, Lyft, and Lime.
3. Purchasing goods and services with Point Card, in most cases, will earn points, excluding balance transfers, cash-like transactions, digital currency purchases, certain gift card purchases and all other forms of manufactured spending.
4. Provides coverage in the event your covered cellphone is stolen or damaged (including cracked screens). Coverage for up to $600 per loss, with a $50 deductible per loss. A maximum pay of $1,000 per 12 months.
5. Provides coverage for most new items purchased with Point Card that are damaged or stolen within 90 days of the date of purchase, up to $1,000 per claim.
6. Protects you against forfeited, non-refundable, unused payments if a trip is cancelled or interrupted for covered reasons, up to $1,500 per incident. Coverage applies to common carrier airfare.
7. Pays for physical damage and theft to most rental vehicles when you pay for the entire rental transaction with Point Card and decline the Collision Damage/Loss Damage Waiver coverage offered by the car rental company.
8. Incoming transfers arrive the same business day M-F (excluding public holidays) when initiated inside Point App before 12 noon ET. Transfers initiated after 12 noon ET arrive the next business day.
9. Covers foreign merchant transaction fees at Mastercard locations outside the Unites States.

iOS Store Category:

Primary: Finance

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Version History

Launched Sep 05, 2019 (about 1 year ago).

Releasing new versions every 24 days, on average.

Nov 17
Version 3.2.1

• Bug Fixes and Improvements

Nov 16
Version 3.2.0

• Design enhancements to Heads Up Display, so you can view the most important information about your account at a quick glance.
• Enhancements to the display of physical Point Card and Virtual Card details, with faster access and the ability to copy information on to your clipboard.
• View your card spending and usage limits conveniently in the Cards tab.
• General bug fixes and improvements.

Nov 07
Version 3.1.0

* Improvements to transfers with better support for relinking bank accounts.
* More insightful messaging around transactions with your Point Card.
* General design improvements and bug fixes.

Sep 29
Version 3.0.4

- General bug fixes and improvements

Aug 22
Version 3.0.3

- Conveniently activate your Point Card and set your PIN inside Point App.
- Easily access your account and routing numbers from your Preferences.
- UI improvements.
- Bug fixes.

Aug 05
Version 3.0.2

* Revamped branding and mobile app — more focus on the Point Card experience
* Points on all of your transactions
* Benefits that have your back
* Virtual Card for secure online payments
* Recurring transfers — keep your Point Card balance topped up automatically
* Bug Fixes

Jul 28
Version 3.0.0

* Revamped branding and mobile app — more focus on the Point Card experience
* Points on all of your transactions
* Benefits that have your back
* Virtual Card for secure online payments
* Recurring transfers — keep your Point Card balance topped up automatically

May 22
Version 2.1.0

- Added support for Mastercard Debit Cards

Apr 28
Version 2.0.8

- Updated interest rate

Feb 20
Version 2.0.6

- Added support for statements
- Added app version information in profile tab
- Bug fixes and improvements

Jan 04
Version 2.0.3

- Improved onboarding with support for manual address entry
- Bug fixes

Dec 02
Version 2.0.2

**New Rewarded Merchants**
• Added Disney+ as a rewarded merchant — earn 7x bonus points on your Disney+ subscription.
• Added Lime as a rewarded merchant — earn 3x bonus points for every scooter and bike ride with Lime.
• Added New York City Metro as a rewarded merchant — earn 3x bonus points on all transit on the MTA.
• Added Chick-fil-A as a rewarded merchant — earn 2x bonus points at all Chick-fil-A locations.

• The front page of the Points tab now shows a curated list of featured merchants where you can earn bonus points.
• Improved categorization of rewarded merchants allows you to more easily see where you can earn points with your Point Card.
• Design enhancements
• Bug fixes

Nov 17
Version 2.0.1

- Fixed a bug that caused Face ID to authenticate multiple times.
- UI enhancements & improvements.
- Bug fixes

Nov 01
Version 2.0

Your new bank has a brand new look. We listened to your feedback and made Point even more intuitive, faster, and secure.

Here are just a few of the latest improvements:
• New app UI with a ton of usability improvements.
• More rewarded merchants so you can earn even more points.
• 4 new Point Card editions.
• Biometric authentication.
• Optimizations for a more responsive and faster app.
• ...and plenty of bug fixes.

Oct 17
Version 1.2.0

- Security and compliance related improvements

Oct 11
Version 1.1.1

- bug fixes

Sep 30
Version 1.1.0

- iOS 13 compatibility related changes
- Bug fixes

Sep 16
Version 1.0.1

- Bug fixes

Sep 11
Version 1.0

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