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POINT
Rewards. Spending. Access.
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Kat Manalac

Point - Banking made rewarding

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Point is a mobile banking app that includes a debit card with amazing rewards (3% cash back on rideshare, 4% cash back at coffee shops, and more) paired to a thoughtfully designed checking account that earns 1.4% APY interest. USE INVITE CODE PH2019 to signup

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Patrick Mrozowski
Maker
Hey there PH, I’m Patrick a co-founder and ceo of Point! We built Point because we felt that banking lacked the amazing experience and level of service that top consumer companies like Apple, Casper and Warby Parker bring to their customers. Traditionally banking is an antiquated and monotonous industry but as the mobile generation is coming into adulthood we are not willing to settle for less in terms of bad customer service, dated technology, and lack of transparency. Point is starting off with the basics and building a better debit card experience; one that is rewarding, safe, and transparent. Aligning our incentives with customers to help them steer clear of debt and encourage responsible spending is at the core of our values so naturally a debit card is a great starting place. Point offers a new type of debit card that allows you to earn amazing rewards at your favorite brands, doesn’t charge foreign transaction or annual fees, and gives you zero liability protection on all your purchases. Excited to get your feedback on Point! TO SIGNUP FOR POINT USE INVITE CODE PH2019 The first 100 signups get 500 pts!
Sahas Katta
@patrick_mrozowski Can you clarify if the rewards are for the specifically listed merchants or for any purchase in the respective category? For instance, is the 4x on coffee shops only for the listed brands or does it apply to any purchase in the coffee category?
Patrick Mrozowski
Maker
@sahaskatta We're adding all coffee shops as a reward, however it's currently the ones listed ( Philz, Blue Bottle, Starbucks, etc). If you signup and use a different coffee shop then we will add those to the list manually.
Zach Hajjaj
@patrick_mrozowski Congrats man! :)
Patrick Mrozowski
Maker
@zachvanness Thank you Zach!
Dalton Caldwell
I have been using the Point app in beta since July. Since that point I have used it every day for my daily purchases and have been super impressed with the speed of improvement of the product. Excited to see this launch!
Patrick Mrozowski
Maker
@daltonc Thank you for being one of our early power users and supporters Dalton!
Brian Vallelunga
Been using Point for a couple months and love it!
Patrick Mrozowski
Maker
@brian_vallelunga Thanks for the support Brian, we're pumped to have you as an early user!
Neil Devani
Despite having a pretty optimized set of credit cards, I still use Point for certain merchants as it provides the best rewards. And the app is slick, well designed. I like the notifications and security it provides.
Patrick Mrozowski
Maker
@sirneilicus We're honored to be one of the cards you use and hope we can inch our way to the top of your wallet!
Charles Vinette
Great team and great product, very happy to see Point on Product Hunt!
Julia Skwarczynski
I've been using Point for three months now as my primary spending card and I cannot recommend it enough. It honestly blows SFCU out of the water in terms of app quality alone, not to mention the dope rewards!!
Patrick Mrozowski
Maker
@julia_skwarczynski 🙌Thank you for the kind words, we're working hard on making Point the most rewarding and responsible way to spend.
Younghwi Cho
I love your Rewarded Merchants selections! I wonder if this service works in EU too.
Patrick Mrozowski
Maker
@andrew_cho Thank you! We are US only at the moment.
Ryan Soderberg
Super cool! Does the interest come from investing in sustainable ethical sources? I'm currently with Wells Fargo but want to drop it for a bank that doesn't fund climate change with my money 😔
Tim Connors
Baltsar
"To qualify for a Point account you will need to be a U.S. resident that is 18 years old or older."
JC Alvarez
@patrick_mrozowski do you have an about page? Pretty difficult to hand my money over and not know who's behind the product.
Patrick Mrozowski
Maker
@jcalvarezjr Great idea! We don't yet but it's something we are considering. We have backgrounds working at companies like Apple, American Express, Acorns, Metal, and more!
JC Alvarez
@patrick_mrozowski I think it's great to share this info on your site. Definitely helps, doesn't hurt!
Abhiroop CVK
Been using Point for a bit now, honestly mind blown every time I get rewards for everyday purchases! Very thoughtful and snappy design too, amazing team and customer service :) Dropped my Chase bank account, and my Amex card to use Point as my primary card and bank!
Patrick Mrozowski
Maker
@abhiroop_cvk Thanks for believing in the product and being an early user of Point! We're excited to continue to improve the product and keep launching awesome new updates.
Yacine Sibous
Awesome! Such a beautiful product
Patrick Mrozowski
Maker
@yacine_sibous1 Thanks Yacine!
Edward Allen
Just starting out with Point! Looking forward to this awesome journey!
Patrick Mrozowski
Maker
@edward_allen3 Awesome, thank you for giving Point a shot! Let me know your feedback or if you have any questions/concerns I'm happy to help. patrick @ point dot app
James Laslavic
Do you have ethical requirements for who you invest the bank's money with? For example, banks like Aspiration and Amalgamated Bank are certified B Corps that pledge to not invest in fossil fuel companies. This is important to me. If you're serious about ethical investing too, then I definitely want to sign up.
Seb Jachec
What's on the roadmap for Point?
Patrick Mrozowski
Maker
@iamsebj Making the best spending experience for consumers. Up next are metal cards, better rewards, and more deposit/transfer options!
Nick Nicolaysen
@iamsebj @patrick_mrozowski Just got my card and haven't funded yet. A nice metal card and a few new merchants would be great as well as mentioned an about or some qualified reviews. I currently use Simple and it's generally good. But I like the innovation .. any sort of budgeting feature would be helpful too.
Emily O'Brien
YES POINT!
Patrick Mrozowski
Maker
Sahas Katta
@patrick_mrozowski Will using this help build credit?
Patrick Mrozowski
Maker
@sahaskatta Not yet...working on this!
Matt Krueger
@sahaskatta @patrick_mrozowski offer a line of credit based on bank balance to start building credit score 😉
Phillip Chao
kickass team behind an absolutely amazing product – always surprised by their speed of iteration, development & partnerships
Patrick Mrozowski
Maker
@phillipchao Means a lot coming from you, big fan of you and Doppler team!
Veronika Riederle
best rewards available at the moment. and LOVE the design of the app!
Patrick Mrozowski
Maker
@veronika_riederle Thank you Veronika!
Omri Mor
Love Point, love @patrick_mrozowski and the Point team 👏
Patrick Mrozowski
Maker
@omri_mor You're too kind Omri!