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Earn cash back and enjoy valuable perks with this debit card

Dec. 08, 2021
5 min read
A picture of four PointCard Neon cards
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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.

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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.

The physical card comes with contactless payment technology. (Photo by Jacob Lund/Shutterstock.)

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.

Featured image by Photo courtesy of PointCard

TPG featured card

Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

2 - 10X points
10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day

Intro offer

75,000 bonus miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Annual Fee

$395

Recommended Credit

740-850
Excellent
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.

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023
Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day
  • Intro Offer
    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

    75,000 bonus miles
  • Annual Fee

    $395
  • Recommended 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.

    740-850
    Excellent

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023