Point Card for New Yorkers.

Use code SPRINGSTREET to sign up and earn 10,000 points (redeemable for $100 in cash-back) when you make your first purchase before November 15, 2021.¹

Unlimited cash-back on a debit card.

5x points at your favorite coffee shops.

3x points on Seamless and MTA.³

Extra benefits like phone insurance.⁵

APPLY

Apply inside Point App and begin using Point Card instantly. Membership from $99/yr. No credit check required.

WHAT YOU GET WITH POINT

A feminine hand holding up the Point debit card

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

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

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Apply

benefits

Points on every purchase.

Point meets you where you are with cash-back on everyday purchases — with limited-time offers at places like Whole Foods, Classpass, and more.

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benefits

Points on every purchase.

Point meets you where you are with cash-back on everyday purchases — with limited-time offers at places like Whole Foods, Classpass, and more.

see all the benefits

benefits

5x points on
subscriptions.

Built-in protection against credit card debt and interest payments is just the start. Point Card offers exceptional rewards, including bonus cash-back on Netflix, Spotify and more.²

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benefits

5x points on subscriptions.

Built-in protection against credit card debt and interest payments is just the start. Point Card offers exceptional rewards, including bonus cash-back on Netflix, Spotify and more.¹

see all the benefits

benefits

3x on delivery
and rideshare.

Point Card rewards you for ordering delivery or takeout from services like DoorDash and Instacart, as well as taking a ride with Uber, Lyft and Lime.³

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benefits

3x on delivery and rideshare.

Point Card rewards you when you order delivery or takeout from services like DoorDash, Instacart and more², and when you take a ride with Uber, Lyft and Lime.

see all the benefits

benefits

1x points on
everything else.

Earn points on every dollar you spend, anywhere, anytime. That means cash-back for every purchase, from groceries to gas and everything in-between.⁴

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benefits

1x points on everything else.

Earn points on every dollar you spend, anywhere, anytime. That means cash-back for every purchase, from groceries to gas and everything in-between.³

see all the benefits

01 Runway Yellow Front

02 Dam Orange Front

03 Boulder Blush Front

04 Copper Canyon Front

01 Runway Yellow Back

02 Dam Orange Back

03 Boulder Blush Back

04 Copper Canyon Back

an icon depicting a hand holding a Point cardan icon depicting a hand holding a Point card

01 Runway Yellow in Hand

02 Dam Orange in Hand

03 Boulder Blush in Hand

04 Copper Canyon in Hand

Editions

Designed with purpose.

Custom engineered for form, function and durability, Point Card features an advanced chipset for secure payments, a high-tensile synthetic polymer construction, and comes in your choice of four editions.

Editions

Brilliant in every sense.

Point Card uses special color dyes that contain an additive fluorescent pigment, to produce a vibrant surface finish that shows incredible depth under various lighting conditions.

Editions

Formed for function.

Point Card is additionally available in two limited run editions designed by contemporary artist Laura Berger, specially commissioned as part of our commitment to directly support independent artists.

Editions

Formed for function.

Point Card is additionally available in two limited run editions designed by contemporary artist Laura Berger, specially commissioned as part of our commitment to directly support independent artists.

Editions

1 - Design with purpose.

Engineered with a custom chipset that enables secure payments, and constructed from a synthetic polymer core for durability, Point Card is designed down to every detail and is available in your choice of four editions.

01 Runway Yellow Front

01 Runway Yellow Back

01 Runway Yellow Hold

an icon depicting a hand holding a Point cardan icon depicting a hand holding a Point card

Editions

1 - Design with purpose.

Engineered with a custom chipset that enables secure payments, and constructed from a synthetic polymer core for durability, Point Card is designed down to every detail and is available in your choice of four editions.

01 Runway Yellow Front

01 Runway Yellow Back

01 Runway Yellow Hold

an icon depicting a hand holding a Point cardan icon depicting a hand holding a Point card

Editions

2 - Design with purpose.

Engineered with a custom chipset that enables secure payments, and constructed from a synthetic polymer core for durability, Point Card is designed down to every detail and is available in your choice of four editions.

02 Runway Orange Front

02 Runway Orange Back

02 Runway Orange Hold

an icon depicting a hand holding a Point cardan icon depicting a hand holding a Point card

Editions

2 - Design with purpose.

Engineered with a custom chipset that enables secure payments, and constructed from a synthetic polymer core for durability, Point Card is designed down to every detail and is available in your choice of four editions.

01 Runway Yellow Front

01 Runway Yellow Back

01 Runway Yellow Hold

an icon depicting a hand holding a Point cardan icon depicting a hand holding a Point card

Editions

3 - Design with purpose.

Engineered with a custom chipset that enables secure payments, and constructed from a synthetic polymer core for durability, Point Card is designed down to every detail and is available in your choice of four editions.

03 Runway Blush Front

03 Runway Blush Back

03 Runway Blush Hold

an icon depicting a hand holding a Point cardan icon depicting a hand holding a Point card

Editions

3 - Design with purpose.

Engineered with a custom chipset that enables secure payments, and constructed from a synthetic polymer core for durability, Point Card is designed down to every detail and is available in your choice of four editions.

01 Runway Yellow Front

01 Runway Yellow Back

01 Runway Yellow Hold

an icon depicting a hand holding a Point cardan icon depicting a hand holding a Point card

Editions

4 - Design with purpose.

Engineered with a custom chipset that enables secure payments, and constructed from a synthetic polymer core for durability, Point Card is designed down to every detail and is available in your choice of four editions.

04 Runway Copper Front

04 Runway Copper Back

04 Runway Copper Hold

an icon depicting a hand holding a Point cardan icon depicting a hand holding a Point card

Editions

4 - Design with purpose.

Engineered with a custom chipset that enables secure payments, and constructed from a synthetic polymer core for durability, Point Card is designed down to every detail and is available in your choice of four editions.

01 Runway Yellow Front

01 Runway Yellow Back

01 Runway Yellow Hold

an icon depicting a hand holding a Point cardan icon depicting a hand holding a Point card

Contactless

Wave of the future.

Point Card features an RFID transponder in its core that enables you to pay with a touch-free wave, and for those times when you’re without your card, there’s Apple Pay and Google Pay.

Apple PayGoogle Pay

Contactless

Wave of the future.

Point Card features an RFID transponder in its core that enables you to pay with a touch-free wave, and for those times when you’re without your card, there’s Apple Pay and Google Pay.

Apple PayGoogle Pay

point app

Designed in tandem, Point Card and Point App work side by side — bringing you transparency, personalization, and delight.

Download Point APp

point app

Designed in tandem, Point Card and Point App work side by side — bringing you transparency, personalization, and delight.

Download Point App

Virtual Card

Security

Virtual Card is an all-digital card that's designed specially for online purchases. With its very own card number, Virtual Card enables you to pay across the internet while keeping your physical Point Card safely tucked away from prying eyes online.

Auto Transfer

convenience

Point features an advanced budgeting system we call Auto Transfer. Simply schedule a recurring transfer of a specific amount to fund your Point Card. Then, receive the funds as early as the day of, with quick transfers.¹²

Heads Up Display

Simplicity

Designed to give you the essential information you need at a glance in an effortless and delightful way — Heads Up Display helps you to easily stay on top of your finances, and in the process promotes mindfulness about your spending and budgeting.

Card Control

Flexibility

Lock your card on the fly or get notified the instant you're charged — Point App is always there to ensure that you have complete control over when, where, and how your Point Card is used, giving you greater insight into your finances every step of the way.

Security

Virtual Card

Virtual Card is an all-digital card that's designed specially for online purchases. With its very own card number, Virtual Card enables you to pay across the internet while keeping your physical Point Card safely tucked away from prying eyes online.

convenience

Auto Transfer

Point features an advanced budgeting system we call Auto Transfer. Simply schedule a recurring transfer of a specific amount to fund your Point Card. Then, receive the funds as early as the day of, with quick transfers.¹¹

Simplicity

Heads Up Display

Designed to give you the essential information you need at a glance in an effortless and delightful way — Heads Up Display helps you to easily stay on top of your finances, and in the process promotes mindfulness about your spending and budgeting.

Flexibility

Card Control

Lock your card on the fly or get notified the instant you’re charged — Point App is always there to ensure that you have complete control over when, where, and how your Point Card is used, giving you greater insight into your finances every step of the way.

Point app

Virtual Card

Point app

Virtual Card

Point app

Same Day Transfers

Point app

Heads Up Display

Point app

Card Control

Point app

Card Control

Virtual Card is a unique all-digital card that enables you to pay online without sharing your physical card number. With its own unique number, Virtual Card ensures that your Point Card remains tucked away from prying eyes online.

Point features same day bank transfers as standard  — that means funds you transfer into Point from any bank arrive the very same day.¹¹ Paired to an advanced system we call Auto Transfer, Point App is the fastest way to get your budget on track. Simply set your spending limit for the week or the month and let us do the rest.

Designed to give you the essential information you need at a glance in an effortless and delightful way — Heads Up Display helps you to easily stay on top of your finances, and in the process promotes mindfulness about your spending and budgeting.

Lock your card on the fly or get notified the instant you’re charged — Point App is always there to ensure that you have complete control over when, where, and how your Point Card is used, giving you greater insight in to your finances every step of the way.

Point app

Virtual Card

Point app

Same Day Transfers

Point app

Heads Up Display

Point app

Card Control

Virtual Card is a unique all-digital card that enables you to pay online without sharing your physical card number. With its own unique number, Virtual Card ensures that your Point Card remains tucked away from prying eyes online.

Point features same day bank transfers as standard  — that means transfers from any bank account to Point arrive the very same day.¹¹ Paired to an advanced system we call Auto Transfer, Point App is the fastest way to get your budget on track. Simply set your spending limit for the week or the month and let us do the rest.

Designed to give you the essential information you need at a glance in an effortless and delightful way — Heads Up Display helps you to easily stay on top of your finances, and in the process promotes mindfulness about your spending and budgeting.

Lock your card on the fly or get notified the instant you’re charged — Point App is always there to ensure that you have complete control over when, where, and how your Point Card is used, giving you greater insight in to your finances every step of the way.

point app

Designed to work seamlessly with Point Card from the start. Point App is a ground up rethinking of mobile banking, with our principles of transparency, personalization and delight built right in.

Two hands holding a phone horizontally, while the phone is displaying the Point app
Two hands holding a phone horizontally, while the phone is displaying the Point app
Two hands holding a phone horizontally, while the phone is displaying the Point app
Two hands holding a phone horizontally, while the phone is displaying the Point app
Yellow and Black edition Point CardWhite and Orange Edition Point CardLimited Edition Boulder Blush Point CardLimited Edition Copper Canyon Point Card

Point app

Virtual Cards

An image of the Point App showing two virtual cards, one a virtual version of your physical card and the other a virtual card for online purchases only

Think of Virtual Card as Point Card’s fully digital cousin. It lives inside Point App and you can use it to pay securely for any online purchase without sharing your physical card number. Peace of mind — included in your membership.

Point app

Same Day Transfers

A rendering of the Point app displaying a same day transfer of funds

Point App features same day bank transfers as standard, which means funds you transfer from any bank account to Point arrive the very same day*. Paired to an advanced system we call Auto Transfer, Point App gives you precision control over how your funds move.

Point app

Heads Up Display

Heads Up Display is a quick and easy way for you to stay on top of your finances. Designed to feel effortless and delightful, Point App shows you the essential information you need at a glance, and in the process promotes mindfulness about your spending.

Point app

Card Controls

An animated PNG showing how you can hide your virtual card information with a single touch

Point App is the nerve center from where you can exercise complete control over your Point Card. Lock your card on the fly to ensure it isn’t used and get instant notifications that keep you in the loop with where you money is going, even for those recurring payments you may have forgotten about.

access

Offers and discounts.

In addition to the benefits of Point Card, your membership includes access to a range of exclusive offers from our partners, through collaborations with up-and-coming brands to bring you deals that you will love.

MEMBERSHIP

All rewards.
All Benefits.

Point membership pays for itself and then some. See the benefits you receive when you join.

Point membership pays for itself & then some. See the benefits you receive when you join.

The Breakdown

See how Point membership pays for itself and then some. Here’s a value summary of just a few of the key benefits.

Benefits Summary

Point membership handily offsets your monthly membership plan. Here’s a value summary of just a few of the key benefits.

Benefits

Est. annual value

All benefits.
Zero debt.

5x

$50/5,000

PTS

Avg. spend on 4-5
subscriptions

Earn 5x points on subscriptions like Netflix, Spotify, Pandora, HBO Max and more.²

3x

$130/13,000

PTS

Avg. US spend¹⁴ on
delivery¹⁵ & rideshare¹⁶

On delivery and rideshare services like DoorDash, Instacart, Uber, Lyft and more.³

1x

$300/30,000

PTS

Avg. US general spend¹⁴

Unlimited cash-back on every dollar spent, anywhere, anytime.⁴

$360/36,000

PTS

Avg. offer value ($15) &
redemption freq. (2x/mo.)

Promotional points bonuses from our partners and curated brands.

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

Peace of mind. included.

$80

Avg. phone insurance price
covering loss & damage¹⁷

Phone insurance covers up to $1,000/yr. in loss or damage when you pay with Point Card.⁵

New purchase insurance reimburses you up to $1,000 in loss/damage.⁶

$175

Avg. price of annual travel
insurance plan¹⁸

Trip cancellation insurance covers up to $1,500 for expenses for cancellation/delay.⁷

$100

Avg. price annual 5-day car
rental at $20/a day¹⁹

Car rental insurance covers physical damage or theft when you pay with Point Card.⁸

$84

$3.50 per ATM withdrawal

Two free ATM withdrawals a month.¹¹

-$99/yr.

Point membership

Billed with your first deposit.

Total Estimated Value

Total estimated value

+$1,180/yr.

Plus additional benefits

Global travel assistance⁹, Zero liability coverage¹⁰, Unlimited quick bank transfers¹², Deposit insurance¹³, and No international travel fees¹⁴

Point is available for download on
Apple App Store and Google Play Store.

Frequently
Asked
Questions

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