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.

My account still has funds inside and I… My account still has funds inside and I was suspended without notice or a reason after using Point for a few months. No way to withdraw funds inside. Texted & Emailed Point.app and no response. Scam & Shady company!!!!!

I love Point Card I love Point Card. I can add funds with my debit card anytime I want to utilize the cashback in points. The perks are always improving and added on. Like 20x back on certain brands and other goodies! Better than AMEX. And secures you traveling, phone insurance and other important features. Use my code to get $30 in points after your first purchase before May 2nd! Code: GNAGY8 You get a virtual card, and can fund with your debit card to spend right away :)

Point terminated my account when I questioned them Unfortunately I have been the victim of a suspected fraudulent company. I found Point App (Point.App) that is managed by Radius Bank to provide my online and self-employment banking needs. I was shocked at the $99 annual fee, but reluctantly paid it thinking that I would be able to have a bank I could trust and rely on. My issues started when Point allowed a $1,300.00 CashApp transaction to be made using my debit card. I immediately called them and flagged it as fraud. I was told that NO provisional credit would be issued whatsoever. I was told that "Regulation E", which requires banking and financial institutions to provide a provisional credit to your account within 10-business days of a fraudulent transaction reported, did not apply to them. This is a lie and deceptive business practices. My dispute was closed on Day 8, saying that they saw "no wrongdoing". Fast forward a few weeks and I had an item that was never delivered. This was for $1,028. I waited a few days and waited for a response, to which a dispute was opened on 9/18/2021. The dispute team started their investigation on 9/20/2021, and I was told by Aubrey at Point that I would have my credit issued by the end of business on 10/1/2021, which is today. I contacted their customer service and was told that she misspoke, and it is "10 full business days, not just 10 business days". This is a lie. They did not want to provide any sort of provisional credit. I now just received an email saying that after my ticket (citing Regulation E) was escalated, they have closed by bank account permanently and effectively. This is absolutely wrong and vile. Point offers almost zero customer service, and has no backing whatsoever. When they were caught violating Regulation E laws with provisional credit, they immediately terminate your account because they "are god". Beware of this company who can just up and nilly-willy close bank accounts when you try to correct them. The CEO and Founder, Patrick Mrozowski, refuses to manage his company, Point, and it is doomed to fail.