Point Up Inc.
Point Debit
Point Debit is built for someone who wants a debit-style spending card but still cares about earning rewards on a handful of everyday digital purchases. It works best as a specialist card for streaming subscriptions and delivery orders, not as a broad everyday card with premium perks.
Annual Fee
$49
Rec. Credit Score
Good
Good For
Streaming-heavy households
All information about Point Debit has been collected independently by MaxRewards. Point Debit is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Point Debit worth it?
This card is great for...
Streaming subscriptions
Food delivery orders
Debit-style spending
This card makes the most sense for households that consistently spend on services like Netflix, Spotify, Hulu, YouTube, and similar subscriptions, and that also place enough food or grocery delivery orders to take advantage of the elevated rates. Since points are worth 1 cent each, the rewards are easy to understand: 5% back on eligible streaming, 3% back on eligible delivery, and 1% back everywhere else.
The challenge is the $49 annual fee. With no welcome bonus and no listed benefits to help offset that cost, you need to earn your value almost entirely through spending. That means this card is a reasonable fit only if those bonus categories are a regular part of your budget and you prefer this card's debit-oriented setup. If you want one card for general spending, or you are looking for travel perks, protections, or statement credits, this is a narrow product and most readers will want a broader rewards card instead.
MaxRewards Verdict
Point Debit fits a fairly specific user: someone with steady streaming and delivery spending who wants simple rewards on a debit-style card. Outside of those categories, the $49 annual fee is hard to justify because there are no listed perks to carry the card.
Earning
Rewards
The rewards setup here is straightforward. You get the strongest return on streaming subscriptions, a solid rate on food and grocery delivery, and a standard 1% back on everything else.
CategoryRate
HBO Max
5%
Hulu
5%
Netflix
5%
Pandora
5%
Spotify
5%
YouTube
5%
Food Delivery
3%
Grocery Delivery
3%
Everywhere
1%
Rewards percent based on a valuation of 1¢ per Point None
Eligibility
Recommended Minimum Credit
Min: Good
Poor
Fair
Good
Excellent
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$49
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.