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Point Card card

Point Card: Credit Card Rewards from a Debit Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
$49
Recommended credit
No Credit Required
Card network
Mastercard
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The Point Debit Card is a fintech debit card that offers credit card rewards and protections but forgoes the credit card or negatives that can come from credit. The card, from Radius Bank, features an annual fee of $49.

Our review of the Point Card

The Point Card is a unique debit card that functions like a credit card but without affecting your credit score. Offered by Radius Bank, this card provides up to 5X points on purchases for a $49 annual fee.

How Does Point Card Work?

Similar to debit cards, the Point Card focuses on rewards. It promises “rewards and benefits without the downsides of a credit card.” Users earn points on all purchases and enjoy various perks without credit checks, monthly payments, or additional charges typically associated with credit cards.

How to Get the Point Card

Opening a Point Card account is straightforward. Applicants need to download the card’s app and follow the sign-up instructions through the interface. The user experience revolves around the mobile app (available on Apple and Google Play stores). Once the account is set up, users fund the account to cover the annual fee and any additional deposits they wish to make. Users can activate their virtual debit card and order a physical one. The Point Card is FDIC-insured through Sutton Bank for up to $250,000.

Eligibility

The Point Card is available to U.S. residents aged 18 and older. Applicants need a valid Social Security Number, current mailing address, and basic personal information to open an account.

Earn Impressive Rewards with Every Purchase

The Point Debit Card offers up to 5X points on select purchases, a feature commonly found in credit cards. Users earn 5X points on subscriptions for popular streaming services and 3X points on food delivery, scooter, and rideshare purchases. All other purchases earn 1X points per $1 spent.

Earn Bonus Points Through Partners

The Point Card’s mobile app provides unique points offers with select retailers. Users can earn up to 10X points on purchases from certain retailers, enhancing the overall rewards program.

How to Redeem Points

Cardholders can only redeem points for cash deposited into their associated checking account, offering a simple yet effective redemption method.

Credit Card-Level Protections

Although not a credit card, the Point Card utilizes the Mastercard payment network, providing perks and protections similar to World Mastercard products. Cardholders enjoy phone insurance, car rental, and trip cancellation insurance, global travel assistance, zero fraud liability coverage, and no foreign transaction fees.

What We Like About Point Card

The Point Card allows users to earn rewards on everyday spending, save money, and enjoy additional perks and benefits through the Mastercard payment network.

Drawbacks with the Point Card

Some drawbacks of the Point Card include the lack of a dedicated ATM network, limited redemption methods, and the inability to build credit.

Should You Apply for the Point Card?

The Point Debit Card is a suitable option for individuals seeking rewards without impacting their credit score. However, it may not be the best choice for those looking for extensive ATM access, varied redemption options, or credit-building opportunities.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Earn 5X points per $1 on subscriptions, 3X points on food deliver and rideshares, and 1X points on everything else Receive up to a $1,000 reimbursement if a new item bought with the Point Card is damaged or lost within 90 days of the purchase
  • Membership includes access to exclusive partner offers through collaborations with up-and-coming brands
  • Get trip cancellation insurance of up to $1,500 for any out-of-pocket expenses you incur
  • Receive both a physical and a virtual card for purchases

Who this card may suit

  • You want credit card rewards without the need for a credit card
  • You have little or no credit history
  • You want to earn rewards for cash deposits into checking accounts
  • You don’t plan on making ATM withdrawals

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual Fee$49

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Limited or No Credit.

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Point Card

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