I love point I love point. I use it for all of my purchases and the rewards are fantastic. I have struggled with credit card debt in the past and point is the perfect solution to still receive rewards for my purchases while not getting into debt.

Debit Card with the Best Benefits Before Point, I was using a traditional debit card. As a college student, I was never really used to the idea of credit, and since my friends were often paying with cash or debit, I never felt the need to switch to a credit card. After seeing Point's capabilities, I realized this is the perfect card for me. As someone who wants to spend without having to worry about going over my balance, I can do that with Point. On top of that, Point's benefits system is great since I don't feel like I'm missing out on the credit card benefits that my parents claim make the credit card system so great. Even better, Point rewards me for buying from some of my favorite merchants (including Philz Coffee, Blue Bottle Coffee, Sweetgreen, to name a few).

New Ways to Earn I've always been an avid debit card user because credit cards intimidate me a bit and I would always prefer to spend what I already have and not have to worry about repaying it or interest. But, debit cards just don't have the same perks as a credit card does. Then came Point. Point lets me spend the money I know that I have without extra charges and interest with all the perks of a credit card! It's nice to be able to add it to some of the subscription services I use and earn cashback points on it. It's like I'm earning on auto-pilot. A lot of the times, I forget what merchants I can get points from so I try to use my card often and when I get the little notification from the Point app, it's a nice little surprise. This card makes earning cashback easy and it's nice to know there are no hidden fees.

If I could give zero stars I would! If I could give zero stars, I would. Someone somehow got into my account and bought gift cards with all my money. They left $14.62 in my account. Point customer service is basically non-existent. No phone number to call. Only email and text message support. There has been almost zero communication from Point in trying to resolve my issue. It has been 6 days since I opened a ticket and not even one communication since that day. I am still trying to get support to update me and they are not responding to my pleas. This bank's support sucks BIG-TIME!

Love my card I've had my account for six months now and made hundreds of dollars in cash back. It's nice to earn high rewards without worrying about the interest charges that I sometimes get with credit cards.