Point Card gives you unlimited cash-back on every purchase and includes
exceptional benefits like insurance for your phone, new purchases, trip
cancellations, and car rentals. Unlike traditional credit cards, Point rewards
you for spending your own money while protecting you from credit...
Banking Done Right
Just started using Point Bank a few weeks ago & I am amazed! Everything about the app & website is so beautifully designed & straight forward. Their reward system is legit & one of the best I’ve ever seen with mobile banking. In addition, you can’t beat the APY %. Communication is outstanding & current with the generation we’re in. I had one issue in creating my account, the app gave me the number to text to seek help & in no time, issue was resolved. If they keep this up, they can count on me being a customer of their’s for life. The only criticism I have is making “mobile check deposit” an option for adding money to the account & add more partners to receive discounts on.
Sounds good at first...
Hello, I joined Point with the same curiously as everyone else. Especially with the intriguing APR of 1.5% on a checking account. I waited patiently for my card to come in the mail and then attempted to activate it, before I was prompted with the error “Card could not be activated”. I’m pretty tech savvy so I attempted to troubleshoot before reaching out to support (Restart app, phone, uninstall reinstall etc) with no success. I then reached out to support (text message support doesn’t work. Received a message 2 weeks later). Reached out to email support, they were no help instructed me to do everything I had done then said they’d have to speak to a technician. After days with no response my first impression was ruined so I closed my account. Only to check and see my account and still open almost a month later. I do not recommend.
Wow, finally a 21st century banking and payment experience
So happy to have Point as my bank and primary payment card. They’ve built a great debit experience WITH POINTS. It’s nice to finally have a bank that’s working with me instead of supporting the big corporate greed monsters like chase, wells, Citi, etc. Great customer service on the rare occasion I need something too. And holy cow it’s an incredible UI and design. 10 stars if I could and I can’t wait to see what else they build. Ps - virtual cards are awesome. Thanks for building what consumers (like myself) long wanted in a banking and payment app.
The core message and value of this app is right on! I would just love a bit more polish in a few areas. 1. Starting with the splash screen, instead of flashing bright white, keep with the dark theme. 2. Have pending/cancelled transactions disappear/drop off from transaction history to help keep the history clean and efficient. 3. Chat functionality built into the app, even if it’s not instant. 4. Apple Pay! Also, I’m not sure if it’s a bug, but I haven’t been getting push notifications for transactions. Keep up the great work :)
Incredible banking experience!
Point has absolutely changed the way that I approach banking. I would definitely consider myself a card nerd. In the past, I fell for credit cards that were promising the best deals and 250,000 points for just signing up. I found myself swimming in debt and expensive credit card statements. I feel like I finally found a card that is genuinely looking out for me. The Point app is not only providing a beautiful experience, but it also makes me feel I have more of a handle on my finances.
Truly one of the best banking experiences I’ve ever had with rewards for companies and experiences we A C T U A L L Y use! I’ve even become friends with one of the customer care reps and she’s an incredible help. If I notice that points haven’t been added to something I purchased that would warrant points, I’d see them in my account within minutes. The atm fees being returned to my account is huge and I loved having the 1.5% interest in my account (before the Covid-19 economy depression). Seriously my all time favorite bank.
Amazing! Not anymore
Update: Transaction notifications lag like crazy I will make a charge then it won’t show until a few minutes later after I have left the location etc. very inconvenient and not issue to keep up with your balance. No widget so you must go back into the app everytime to see your current balance. Also you can’t redeem rewards until 1000 points which is a-lot! Also I have had issue adding money to cash app we’re the transfer will fail when the money is clearly there and also with Apple Pay. This things need to be worked out for the app to run smooth. Btw I am on. iPhone XS Max. Love the brand new look amazing! 🙌🏼 So excited basically a debt card with credit card rewards! Game changer app is simple and modern which I like! Also support is amazing! Can’t wait to get my debt card in the mail. It works with Apple Pay right out the gate! Which is so important for me. Only thing I am sad about is the lack of personal cards like advertised but I’m sure they’re working on it so we can have those soon! Super excited to switch my banking to point 🙌🏼
Been looking for a debit card that gives me rewards like a credit card! Since I’m in college, having a credit card isn’t something that I’m ready to get involved in but Point is the closest you can come with receiving these rewards while still keeping a debit card. Some pretty awesome features on the app as well that other big companies don’t have so kudos to whoever built it. Overall, a great app and would definitely recommend!
Best banking app in 2020!!
This is hands down the best banking app out there. The design of the app and the overall user experience are outstanding, the benefits and perks are great on par with credit cards. The todo is a nice touch and good reminder how to take advantage of the deal offered by the app. As an early user, It’s truly refreshing to see the focus was kept on the core experience. I am looking forward for the next updates but this is a new standard for a banking experience. Thanks Point team!
The rewards are amazing 🙌
I’ve exclusively used my Chase Sapphire Reserve for several years, thinking I was getting the most valuable points for my spend — wrong. Point rewards me for everyday spend like 3X on Lyft/Uber or 4X at coffee shops. It’s really a no-brainer. Not to mention the money in my account is earning 1.9% APY, unheard of for a checking account. Plus the app experience is beautiful so makes watching my points and interest accumulate that much more enjoyable.
They took my tax refund
Got notification my tax refund was available and the immediately sent it back due to a “third party error” and to stay tuned. Are you kidding me???? No phone number to call for support and text message support does not answer promptly at ALL. Maybe TEN fifteen minutes for a BS explanation. Ok where’s my money? THOUSANDS of dollars just missing. I am about to take things into legal matters. DO NOT BANK WITH THEM. I highly doubt they are even legit save yourself the nightmare. UPDATE they have locked me out of my account and prior refused to answer any of my questions. I am not able to access my account anymore.
Never received transfer of funds
Made a transfer into the Point Bank account via “instant” transfer from another connected bank card waited 5 days still wasn’t my point bank account. Contacted customer service two times was told i would have a credit to my account for the amount after showing them a screenshot of the completed transaction on my side. I waited 2 hours for the “ credit” never saw it contacted customer service again to ask when I should see this credit in my point account and never received a response.
Awesome product, experience and service!
The card is beautiful. The app is awesome and it’s a pleasure to navigate! The designs are out of this world. If I had the opportunity, I’d proudly show off the card! Plus wonderful customer service. Texting a human and receiving back thoughtful responses always make my day.
Love this card & app
Super clean design and experience with the app. Love the physical card as well and have gotten many comments on it... Rewards just make sense. Cash back for my seamless orders plus insurance for my phone so I don’t have to risk it without Apple care? No brainer even with subscription
It's cool and all but not really worth the time
So for starters you need to make a minimum transfer of 100$ from your main account to this point account. A little annoying but whatever. But I've made the transfer a few days ago and it STILL hasn't gone through yet and is pending. There's no reason it should be taking this long.
Yes. Point — Debit Card is very safe to use. This is based on our NLP (Natural language processing) analysis of over 1,150 User Reviews sourced from the Appstore and the appstore cumulative rating of 4.6/5 . Justuseapp Safety Score for Point — Debit Card Is 70.5/100.
Yes. Point — Debit Card is a totally legit app. This conclusion was arrived at by running over 1,150 Point — Debit Card User Reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, Justuseapp Legitimacy Score for Point — Debit Card Is 70.5/100.
Point — Debit Card works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or Contact Support.
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