Point Up Inc.
Point Debit
The Point Debit card is built for spenders who want credit-card-style rewards on streaming and food delivery while using a debit card. It offers elevated earnings on popular digital subscriptions and delivery services without requiring a traditional credit line.
Annual Fee
$49
Rec. Credit Score
Good
Good For
Streaming and delivery spenders
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...
Popular streaming subscriptions
Food and grocery delivery
Earning up to 5x points on a debit card is a rare setup, making Point Debit an intriguing choice if you prefer spending directly from your bank account rather than taking on credit balances. The card delivers solid returns on modern routine expenses like video streaming, music subscriptions, and food delivery apps.
However, the $49 annual fee is a significant factor. Because no-annual-fee credit cards often cover these same categories at competitive earn rates, Point Debit is primarily worth it for cardholders who specifically want a debit product and spend enough on subscriptions and delivery to comfortably cover the fee.
MaxRewards Verdict
Point Debit brings impressive earning rates on delivery and streaming to a debit format, though its $49 annual fee requires consistent spending in those categories to deliver genuine value.
Earning
Rewards
Points are worth 1 cent each, with elevated earning tiers designed around modern digital subscriptions and dining delivery.
CategoryRate
HBO Max
5%
Hulu
5%
Netflix
5%
Spotify
5%
Unknown Category
5%
Unknown Category
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.