iPhone Screenshots


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 card debt and interest payments.

Get unlimited access to all the benefits of Point for one simple and transparent price. Membership from $47.88/yr. No additional fees ever and no credit check required.


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 cash-back on subscriptions like Netflix, Spotify and more.¹

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

• 1x cash-back 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.

• Auto Transfer — Schedule recurring transfers of a specific amount to fund your Point Card. Then, receive the funds as early as the day of, with quick transfers.⁸

• Card Control — With Point Card, you’re in complete control. Get notifications the instant your Point Card is charged, change your PIN, and lock your card, from anywhere, at anytime.

• No international travel fees.⁹

Apply inside Point App and begin using Point Card today.

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, 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 when you charge your monthly phone bill to your Point Card and in the event your phone is stolen or damaged (inc. cracked screens), up to $600 per incident, $50 deductible per loss. A maximum 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 purchase, up to $1,000 per loss. A maximum of $25,000 per 12 months.
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 bank transfers typically arrive within 1-3 business days (M-F excluding public holidays) when initiated inside Point App.
9. Covers foreign merchant transaction fees at Mastercard locations outside the United States.

What’s New

Version 3.4.0

• General bug fixes and design improvements.
• Fund your Point account more easily the first time with an enhanced UI design that prioritizes the best way to add cash.
• Optimized and added clarity to all instructional copy across the onboarding process.

Ratings and Reviews

4.5 out of 5
871 Ratings

871 Ratings

PB779 ,

Card and App look beautiful

I have not used my card yet so my review is about the looks for now. The card arrived in less than 2 business days and it looks nice. I love the aesthetics of the app.. it’s very unique. And I love what I have read about the benefits (hoping it’s all real). I am rushing into giving Point 5 stars because I feel safer when the bank/card I use has a good reputation on apple and I wanna support that. I do have a little recommendation though that I hope would be taken into consideration: for projects like Point where you cannot attract customers with any investment perks, and it’s mainly about card benefits.. you may wanna offer a Metal card. Usually, people like me who are willing to pay a yearly card fee, care about the silly things like owning a metal card. Otherwise, goodluck and I hope this app makes it to the top 50 finance apps on Apple! Thank you

thekaylamoore ,

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.

yrzgry ,

I want this to be my main bank!

Signed up for Point the minute I heard about it. UI is just beautiful and a joy to use. Unfortunately as a former Simple user finding an alternative bank account, this isn’t there for me yet. I’ve got a variety of expenses and need some sort of envelope/pocket functionality. i can’t bank without it. So because of that I won’t be using this, but the minute they add it I’ll be right back!

Another nice feature would be the ability to rename transactions, just to keep things pretty.

It’s a five stars for what they’ve done, but unfortunately doesn’t meet my needs yet.

App Privacy

The developer, Point Up Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.