PointCard™ Neon

2.76K reviews
Content rating
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About this app

PointCard™ Neon is the premier debit card and mobile banking experience, with unlimited cash-back and benefits.

Sign up in minutes. FDIC insured.* No credit check required. $9.99/mo.

Learn more at: www.point.app/neon/cash-back


• Card — A debit card designed for unlimited cash-back, exclusive rewards, and comprehensive benefits.

• App — Engineered for clarity and speed, to take your everyday spending and mobile banking experience to the next level.

• 5x points on subscriptions like Netflix, Spotify, and more.¹

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

• 1x points on everything else.³

• Special limited-time offers up to 20x on select brands.

• Phone Insurance — Get reimbursed up to $1,000 per year if your phone is lost or damaged when you pay your phone bill with your PointCard.⁴

• New Purchase Insurance — We’ll reimburse you up to a $1,000 if a new item bought with your PointCard is damaged or lost within 90 days of the purchase.⁵

• Trip Cancellation Insurance — PointCard 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 your PointCard, you're automatically covered for any physical damage or theft to your rental car.⁷

• Virtual Card —An all-digital card designed for online and in-store shopping, virtual card enables you to start spending and earning instantly.

• Instant Funding - No need to wait 3 to 5 business days to move funds. Use any existing debit card to instantly fund your Point account — no wait, no fee.

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

• No international travel fees.⁹

• And much more.

For member support, please email help@point.app or text (650) 539-2701.

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 your 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 your 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 your 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 Visa locations outside the United States.

*Banking services are provided by Column N.A., member FDIC. “Column” is a registered trademark of Column National Association. Point Up Inc. © 2022 All Rights Reserved. Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Please refer to terms for additional details.
Updated on
Jul 25, 2022

Data safety

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2.76K reviews
June 22, 2022
I been with them since the beginning. They were great. It was fantastic. Then they switched banks last December and it went down hill. Customer service may get back to you .. in a day or 2 .. if at all. The transfers used to be instant, now a deposit from PayPal or cash app takes 3-5 min. It was great. They need to get back to that status
10 people found this review helpful
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Point Up Inc.
June 23, 2022
Hi there. Thank you for your feedback. After speaking with our Member Services team, we can confirm that each of your inquiries were promptly responded-to yesterday. Kindly follow the instructions in the correspondences that were sent to you. Thank you again for being a valued PointCard member.
Elle Mitchell
June 27, 2022
Disappointed in features lost since I 1st joined. Mainly used to pay for subscriptions and services, and take advantage of vendor offers. Debit card transfers gone. Access list only 7 vendors from ~20+. Rides/subs/food delivery points, not useful when trying to cut back nonessentials, can be had from a cash back credit card *&* builds my credit. Last, they cancelled membership fee one month after I was charged. Keeping as backup but won't use much longer or renew. I have other debit cards.
5 people found this review helpful
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Point Up Inc.
June 28, 2022
Thanks you for your feedback. We're working on launching our new charge card, Titan, while supporting our existing Neon cardholders. Our Neon membership still includes strong reward offerings of 5x points on subscriptions, 3x on food delivery and rideshare, and 1x on everything else.
Alan LaRage
November 30, 2020
Still, in the works.. the monthly fee is a little pricey. Should be able to have that waived if there was a direct deposit meeting a requirement or something to have that waived. That being said. The points system still not bad. The top reason why I have this, is for it's being a worldwide mastercard. That comes with many perks with insurance and traveling. Not to mention the sleek designs. The app interface can still use some adjustments though.
29 people found this review helpful
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What's new

• UX/UI improvements