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Point Rewards Debit Card

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This debit card seeks to replicate many typical credit card features, like rewards, benefits, and protections — plus an annual fee. You’ll need a smartphone to download the Point app to apply and use the card.

Our rating
Min. credit level: No credit check required
Annual Fee: $49

Point Rewards Debit Card

Our rating
No credit check required Min. credit level
$49 Annual Fee
Apply Now

Highlights & Features


Spending Rewards
  • 5X points per dollar on Subscription services
  • 3X points per dollar on:
    • Food delivery
    • Rideshare services
  • 1X point per dollar on every other purchase

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee N/A
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
  • Purchase Protection
  • No Foreign Transaction Fee
  • Auto Rental Insurance
  • Trip Interruption Insurance
Point Rewards Debit Card


  • 5X points per dollar on subscriptions, limited to: Netflix, Hulu, HBO Max, YouTube Premium, Spotify, Pandora, Feather, and Headspace
  • 3X points per dollar on food delivery and rideshare services, limited to: DoorDash, Uber Eats, Postmates, Caviar, GrubHub, Seamless, Instacart, Good Eggs, Uber, Lyft, and Lime
  • Two free monthly ATM withdrawals (otherwise $3.50 per)
  • Zero liability coverage
  • Cell phone insurance
  • Purchase insurance
  • Car rental insurance
  • No foreign transaction fee
  • $49 annual fee

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Your subscription rewards are limited to the following services: Netflix, Hulu, HBO Max, YouTube Premium, Spotify, Pandora, Feather, and Headspace. Your delivery and rideshare rewards are limited to the following services: DoorDash, Uber Eats, Postmates, Caviar, GrubHub, Seamless, Instacart, Good Eggs, Uber, Lyft, and Lime.

A few of your benefits include two free bank withdrawals per month, cell phone insurance, purchase insurance, car rental insurance, and trip cancellation insurance.

The Point Rewards Debit card has a $49 annual fee and no international travel fees.

Some reviews of the Point Rewards Debit card paint customer service as unresponsive and unhelpful, and the Point app may be buggy and slow for some users. But, since this is a new app and service, things may very well improve.

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