Hey There — We're Point. We Specialize in Money Makeovers.

See what you get with Point

See what you get with Point

Point Card

A revolutionary debit card that earns points at your favorite merchants — 3x at Uber, 2x at Airbnb, 4x at Starbucks plus many more and charges zero foreign travel fees.

Earn Points

Point Checking

A mobile bank account that rewards you for saving, with an industry leading 1.4% APY*, FDIC insurance, thoughtful design & technology and no hidden fees.

Earn Interest
Designed in collaboration with Laura Berger.
Designed in collaboration with Laura Berger.

Credit Card Perks Without the Debt.

Point Card is the first card to combine the rewards of a high-end credit card, with the inherent advantages of a debit card.

That means a new kind of debit card that earns amazing cash back, doesn’t charge foreign transaction fees, protects you from debt and encourages responsible spending.

Point Card comes in four thoughtfully designed editions, has no impact on your credit score and no annual fees.

Use your points to...

Get some late night DoorDash.

Buy tickets to see your favorite band.

Go to the movies, Netflix IRL.

Book that Airbnb in Mallorca.

Order Postmates to your postgame.

Zero Travel Fees

Leave fees behind when you travel the world. Use Point Card to pay at any Visa location globally, and never worry about racking up foreign transaction fees for your purchases abroad.

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Debit Upsides

With Point Card, there is no interest to pay on credit card debt, no credit checks to worry about, no bills to track and no accounts to link. Everything simply works out of the box.

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Seamless Integration

Point Card is tightly coupled with Point App for a complete experience, with features like purchase notifications, in-app card management and rewards tracking all easily available at your fingertips.

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A Checking Account That Dreams Big.

Point Checking is an advanced mobile bank account created to reward you and serve as the perfect companion to your Point Card.

Unlike traditional checking accounts that earn you nothing, Point earns interest for you like a savings account, but without the need to manage multiple bank accounts.

Crafted for a delightful mobile-first banking experience, Point App is designed down to the pixel, packed with modern technology, with no hidden fees and earns 1.4% APY*.

A Checking Account That Dreams Big.

Point Checking is an advanced mobile bank account created to reward you and serve as the perfect companion to your Point Card.

Unlike traditional checking accounts that earn you nothing, Point earns interest for you like a savings account, but without the need to manage multiple bank accounts.

Crafted for a delightful mobile-first banking experience, Point App is designed down to the pixel, packed with modern technology, with no hidden fees and earns 1.4% APY*.

Engineered to Simplify

Point automatically cleans up raw transaction data to show clearly labeled merchant names and icons, enabling you to easily stay on top of your finances.

Smart Notifications

Stay notified about important moments, such as when your card is used for a purchase, the points you earn, and the instant your paycheck is deposited.

Virtually Everywhere

A virtual version of your Point Card is always available inside Point App, where you can also manage settings like locking your card and setting travel alerts.

Mobile Banking That Has Your Back.

Point goes beyond the amazing rewards and obsessively-designed experience by equipping you with protections that put your mind at ease. Deposit insurance, zero liability coverage for purchases, fraud monitoring, a focus on privacy and world class support — all standard on every account.

Federal Insurance

Every dollar you keep in your Point Checking account is insured by the Federal Deposit Insurance Commision all the way up to $250,000.

Zero Liability

In the event that your Point Card is used without your authorization, Visa’s Zero Liablity Policy ensures that your funds are returned to you.

Fraud Monitoring

We seamlessly work in the background to protect you against fraudulent activity, so you can rest assured that your money is always safe.

Privacy & Security

Point employs highly advanced data security measures such as 256-bit AES encryption and PCI Level 1 compliance to maintain your privacy and security.

Download Point to open your account
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See Where You Can Earn Points.

Coffee Shops
4x pts
Coffee Shops
4x pts
Transportation
3x pts
Dining
2x pts
Food Delivery
3x pts
Travel
2x pts
Subscriptions
7x pts
Impact
2x pts

Apply Now

Sign up for your Point account today by downloading and applying via Point App. It takes just a couple of minutes.