Point Reviews

PointCard™

point.app
3.15
13 reviews
Average Rating
Based on 13 user experiences

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Rated 3.15 out of 5 by 13 Happy Customers

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46.2%
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AI Review Summary Based on 13 reviews

Users report severe account issues including sudden suspension and lack of customer support, creating a negative experience for some. Conversely, many long-term users praise the card's benefits, rewards, and convenience. The feedback is polarized between critical failures and strong satisfaction. Customer service responsiveness is a recurring negative theme, while rewards and fees value appear as dominant positives for supporters.

What customers love
  • Rewards and cashback
  • Good debit card benefits
  • Easy to use
  • Low fees
Common concerns
  • Account suspended
  • High membership fee
  • Compatibility issues
  • null

Last updated 2 months ago

J

Point terminated my account when I questioned them

Unfortunately I have been the victim of a suspected fraudulent company I found Point App Point App that is managed by Radius Bank to provide my online and self-employment banking needs I was shocked at the 99 annual fee but reluctantly paid it thinking that I would be able to have a bank I could trust and rely on My issues started when Point allowed a 1 300 00 CashApp transaction to be made using my debit card I immediately called them and flagged it as fraud I was told that NO provisional credit would be issued whatsoever I was told that Regulation E which requires banking and financial institutions to provide a provisional credit to your account within 10-business days of a fraudulent transaction reported did not apply to them This is a lie and deceptive business practices My dispute was closed on Day 8 saying that they saw no wrongdoing Fast forward a few weeks and I had an item that was never delivered This was for 1 028 I waited a few days and waited for a response to which a dispute was opened on 9 18 2021 The dispute team started their investigation on 9 20 2021 and I was told by Aubrey at Point that I would have my credit issued by the end of business on 10 1 2021 which is today I contacted their customer service and was told that she misspoke and it is 10 full business days not just 10 business days This is a lie They did not want to provide any sort of provisional credit I now just received an email saying that after my ticket citing Regulation E was escalated they have closed by bank account permanently and effectively This is absolutely wrong and vile Point offers almost zero customer service and has no backing whatsoever When they were caught violating Regulation E laws with provisional credit they immediately terminate your account because they are god Beware of this company who can just up and nilly-willy close bank accounts when you try to correct them The CEO and Founder Patrick Mrozowski refuses to manage his company Point and it is doomed to fail
C

My account still has funds inside and I

My account still has funds inside and I was suspended without notice or a reason after using Point for a few months No way to withdraw funds inside Texted Emailed Point app and no response Scam Shady company
S

I didn t even want to give it a star

I didn t even want to give it a star No customer service They will answer when they take your money but can t answer when you need a verification of payment Horrible I gotta stop messing with these online reward gift no Getty ghost banks
E

Membership fee paid and cannot access account

I signed up on the website There they ask you to pay your membership fees I assumed since they were accepting payment already that my account would be accessible online Other apps like Sofi have this option Nope I have an older phone and the app is not compatible I reached out to customer service and was told I should just buy a new phone Since then all customer service has done is promise to get back to me or send smart ass responses They were quick to respond while I was commenting on their social media accounts but then communication moved off social media and it was back to the same old no response
S

If I could give zero stars I would

If I could give zero stars I would Someone somehow got into my account and bought gift cards with all my money They left 14 62 in my account Point customer service is basically non-existent No phone number to call Only email and text message support There has been almost zero communication from Point in trying to resolve my issue It has been 6 days since I opened a ticket and not even one communication since that day I am still trying to get support to update me and they are not responding to my pleas This bank s support sucks BIG-TIME
T

Please do not use this merchant for your merchant services

Please do not use this merchant for your processing - they fraudulently reopened a never accepted account and charged me monthly in a sneaky manner that my accountant didn t notice I ve been paying them monthly for nothing I ve never used them because the fees were astronomical and we canceled the order This was 3 years ago I had a psi compliance come up in 2020 and they told me not to worry about it I didn t have any accounts Flash forward -now my accountant picked up on these magical fees hidden with very little information I had to go back in my emails and it shows when we started down this path I m so grateful those were there They are a fraud and steal from small businesses I was promised a call and no one did and I called back to have someone tell me they are not refunding anything They also didn t cancel my accounts as promised Now I m being told I have to cancel separate which means I won t be able to verify myself anymore and won t be able to talk to anyone Not like I can now Thousands of dollars- I will be going to the is attorney general and I will be letting every business owner I know about this
T

I love point

Point card is amazing and I have been a customer since 2019 before there was anything special just a debit card with 5 discounts and now with multiple ways to save from grocery shopping to my daily coffee run and have offered excellent customer service thought not by phone but by text and I prefer so you can message customer service on the go
E

New Ways to Earn

I love point I use it for all of my purchases and the rewards are fantastic I have struggled with credit card debt in the past and point is the perfect solution to still receive rewards for my purchases while not getting into debt
N

Debit Card with the Best Benefits

I ve always been an avid debit card user because credit cards intimidate me a bit and I would always prefer to spend what I already have and not have to worry about repaying it or interest But debit cards just don t have the same perks as a credit card does Then came Point Point lets me spend the money I know that I have without extra charges and interest with all the perks of a credit card It s nice to be able to add it to some of the subscription services I use and earn cashback points on it It s like I m earning on auto-pilot A lot of the times I forget what merchants I can get points from so I try to use my card often and when I get the little notification from the Point app it s a nice little surprise This card makes earning cashback easy and it s nice to know there are no hidden fees
J

Love my card

Before Point I was using a traditional debit card As a college student I was never really used to the idea of credit and since my friends were often paying with cash or debit I never felt the need to switch to a credit card After seeing Point s capabilities I realized this is the perfect card for me As someone who wants to spend without having to worry about going over my balance I can do that with Point On top of that Point s benefits system is great since I don t feel like I m missing out on the credit card benefits that my parents claim make the credit card system so great Even better Point rewards me for buying from some of my favorite merchants including Philz Coffee Blue Bottle Coffee Sweetgreen to name a few

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Frequently Asked Questions

The Atlas Card is an invite-only charge card that provides access to exclusive dining, travel, and event experiences. Membership is by invitation only—users can request an invite and join a waitlist, and selection is based on fit.

You can request an invite through the Atlas app or website. If you’re a good fit, you’ll be contacted and can join the waitlist for membership consideration.

Members receive priority reservations at top restaurants, access to a curated selection of luxury hotels, front-row access to sold-out concerts and sporting events, dynamic spending limits, premium purchase protection, and up to $6,000+ in annual travel and lifestyle credits.

Yes, annual membership fees apply. Specific fees and terms are outlined in the membership agreement, and certain restrictions govern eligible purchases and redemption rates.

Atlas Dining offers priority reservations at the hottest restaurants on a first-come, first-served basis exclusively for Atlas Cardholders. Members get curated recommendations, access to Atlas Tables, and concierge assistance for bookings.

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About Point

Atlas Card: Exclusive Access for Curated Travel and Dining

Atlas Cardis an invite-only charge card designed to provide access to exclusive dining, travel, and event experiences. The Atlas Card app and card work together to deliver elevated benefits, including reservations at highly sought-after restaurants, stays at curated luxury hotels, and front-row access to concerts and sporting events.

Invite-Only Membership

Atlas membership is by invitation only. Users can request an invite and join a waitlist; selection is based on fit. This model helps manage access to a premium member base and concierge service.

Curated Luxury Stays

Atlas enables booking at a curated selection of the world’s finest hotels. Members can search a unique collection of decorated properties in top luxury destinations and book using points or preferred rates for elevated redemption values. The platform offers dynamic search and booking in seconds, with access to properties such as The Oberoi, Marrakech, and Aman Tokyo. Annual travel and lifestyle credits are included with membership, and additional benefits may unlock as spend milestones are reached.

Priority Dining Access

Atlas Dining provides priority reservations at the hottest restaurants in major cities and worldwide. Members receive curated recommendations and access to dedicated Atlas Tables, which offer rare reservations at sought-after venues. The Atlas Concierge can secure bookings and manage restaurant requests through the app or by text. Note that availability is first come, first served and subject to restaurant cancellation policies.

Exclusive Event Experiences

Atlas Experiences grant front-row access to sold-out concerts, sporting events, and cultural happenings. Members can request event tickets and seating access through their Atlas Concierge, including coverage for events such as Coachella and Formula 1 Grand Prix. Availability is subject to event restrictions and cardholder terms.

Premium Card and App Features

The Atlas Card is crafted from mirror-finished steel and offers dynamic spending limits, meaning pre-set limits are not imposed. It includes premium purchase protection covering repairs, replacements, or reimbursements for new purchases within 90 days. The Atlas App delivers a streamlined booking experience, virtual card creation, and organized purchase management. The card is part of the Visa Infinite network, accepted at over 100 million merchants with no foreign transaction fees.

Rewards and Annual Fees

Members earn 5x points on Atlas Travel purchases and 1x point on other eligible purchases. Annual membership fees and terms apply, and certain restrictions govern eligible purchases and redemption rates. Specific benefits, offers, and event access remain subject to availability and partner terms.

Additional Information

Atlas is a technology company, not a bank. The Atlas Card is issued by Lead Bank. Membership requires eligibility under U.S. regulations, and financing is subject to approval. Payment of the full statement balance is required each month.