Earn cash back and enjoy valuable perks with this debit card
Some of the most intriguing incentives like cash back, phone insurance and trip cancellation coverage are usually reserved for credit cards — sometimes with high annual fees. But now there’s actually a cash-back debit card that offers up to 5x on eligible purchases, plus all of the perks I just mentioned, and more.
PointCard™ Neon is a debit card with unlimited cash back on eligible purchases and exclusive rewards on some of the most popular spending categories, including subscriptions like Netflix, food delivery and even rideshare services. It’s simple to fund your PointCard — transfers are unlimited, and your money is safe thanks to included deposit insurance.
Read on to learn more about how you can earn cash back and enjoy valuable perks with PointCard Neon.
Cash back
You can earn up to 5x points on things you’re already buying. Here’s how you can earn cash back with your PointCard:
- 5x points on subscriptions like Netflix, Spotify, HBO Max and more.
- 3x points on food delivery and rideshare apps like DoorDash and Uber.
- 1x points on everything else.
Your cash back — which comes in the form of points worth 1 cent apiece — never expires, and there’s also no limit to the amount of cash back you can earn.
Bonus earnings at select merchants
In addition to set cash-back categories, you’ll also benefit from a revolving selection of cash-back offers on popular retailers like Nike and Amazon. Known as PointCard Access, these limited-time offers allow you to stack rewards by using your PointCard to make purchases through shopping portals like Rakuten and others.
Here are examples of current Access offers — though note these are subject to change:
- Whole Foods: 5x points
- Clear: 10x points
- Amazon: 5x points
- Gopuff: 5x points
- Rag & bone: 15x points
Fast transfers
Unlike when transferring money from one institution to another — which may require you to wait multiple days or even a week to get your money — you can instantly transfer funds to your Point account from other debit cards. That means your balance will be updated immediately and can be used for purchases right away.
You also have the option to initiate standard bank transfers, but the speed of using a debit card makes this the better option.
Virtual card for instant purchases
In addition to instant transfers from other debit cards, you’ll also gain immediate access to a virtual card number upon approval. This means that you can start earning points right away — without waiting for a physical card to arrive in the mail.
Your Point virtual card is perfect for online purchases this holiday season, and it’s also compatible with Apple Pay and Google Pay. You can immediately add your virtual card to your digital wallet for in-store purchases — and start earning points from day one.
Point app and other features
Designed for precision, speed and ease-of-use, PointCard’s companion app was created with the cardholder in mind — down to the very last detail. As a Point member, you’ll also experience human-centered customer service.
PointCard Neon is available in four color editions that add excitement to your wallet, and the physical debit card itself supports contactless payments when used at brick-and-mortar locations. You’ll also enjoy two free ATM withdrawals each month (with a maximum $8 transaction fee), and foreign transaction fees are waived on PointCard purchases outside the U.S.
With PointCard Neon, you can rest easy knowing there is zero fraud liability, and that you can immediately lock your card if it’s lost or stolen. What's more, because you can transfer funds so quickly to the card yourself, you can always have sufficient funds for your purchases.
Additional perks
The perks of using your PointCard don’t stop at cash back — benefits like phone and travel cancellation insurance usually only come with high-tier premium credit cards, but now you can get them with your debit card.
Here are all of the perks that come with PointCard Neon:
- $1,000 cell phone insurance reimbursement per year if your phone is lost or damaged when you pay your bill with your PointCard.
- New purchase insurance will reimburse you up to $1,000 if a new item bought with your PointCard is damaged or lost within 90 days of the purchase.
- Trip cancellation insurance covers up to $1,500 for out-of-pocket expenses you may incur if your trip is cancelled or delayed.
- Automatic car rental insurance covers any physical damage to or theft of your rental car when paying for your rental car with your PointCard.
- Event ticket protection when you use your PointCard for sporting events or concert tickets.
- Travel accident insurance for common carrier travel.
- Rideshare protection when utilizing services like Uber or Lyft.
Become a member starting at $99 a year and start earning cash back on everyday purchases today.
Bottom line
The all-new PointCard™ Neon is a debit card with perks we usually only see on a credit card. Cardholders enjoy up to 5x points on everyday purchases including subscriptions, rideshare apps and food delivery apps. Other perks include trip cancellation coverage and phone insurance. PointCard Neon also comes with zero fraud liability, unlimited instant transfers to fund your card and deposit insurance to keep your money safe.
Paired seamlessly with Point app to make transfers and virtual access easy and efficient, Point membership gives you everything you need to manage your spending right at your fingertips.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.