Hey everyone, Patrick here, co-founder of Point. It’s been an amazing journey getting Point publicly launched — after multiple engineering and design iterations, 2 previous "launches", and countless test transactions at Blue Bottle, I’m beyond excited to release Point to the world. No more invite codes, now anybody in the US is welcome to sign up for Point! We built Point because of the disappointment we felt with traditional credit cards and banking apps. I personally signed up for an Amex card in college thinking I could earn enough points for a free flight, but instead I quickly found myself knee-deep in credit card debt, and with hefty interest payments after spending too much to hit the sign up bonus. And judging by the stats, I'm not the only one — in the US, we carry over $1 trillion in credit card debt, and nearly 70% of Americans cited rewards as the reason why they chose a credit card. (Sources: Federal Reserve, Debt.org) That eventually led me to realize that the credit card system is fundamentally misaligned with consumers — it encourages you to get into debt by using rewards as the incentive, punishes you for spending your own money by creating a subpar user experience for debit, and monetizes off your troubles in the form of interest payments and fees on debt — we know there is a better way. With Point, we crafted a spending experience that is aligned with your best interests, rewards you for supporting your favorite brands, and promotes transparency — all inside a thoughtfully designed debit card and mobile app. As a token of appreciation for the PH community, we’re offering a $20 bonus after spending $100 (use the link) or enter promo code PH20 — we look forwarding to helping you spend sensibly! I’ll be around to respond to questions and listen to feedback.

Too bad folks outside the US can't use this

Your website looks absolutely on Point. Congrats on the launch!

Congrats on the full launch Patrick and team! The new Point app + card is also 👌

Congrats on the launch Patrick and team! Excited that more people can finally try Point. A truly beautiful product.

Sleek card design! And fantastic rewards / insurance

Hey ?maker so glad to see Point Card on Product Hunt. I've been using point for nearly a year!

I’ve been using Point since August, and I absolutely love them. Amazing experience, great support. 10/10

I have been using the Point Card since the early days and I absolutely love it. Its a no-brainer really when you look at all the options and if you use Uber or Lyft at all

One of the most meticulously designed new fintech products out there when it comes to attention to detail and care around selecting rewards that are actually relevant to their customers. I love the app - congrats to the whole team!

Excited to see this launch! And can’t wait to get my card :)

Point's quickly become my go-to debit card + banking app. The amount of design precision the team put into the entire user experience is great. Congrats!

Hands down the best banking product I've ever used. Rewards are easy to redeem and customer service is next level. Great stuff @patrick_mrozowski and @pointbankingapp team.

Huge fan of this product and team. Congratulations @patrick_mrozowski

Love Point! Congrats

sexy!!!

@patrick_mrozowski how can i get access to this in Europe?? love how focused the brand + product seems.

Love this team and product! Congrats @patrick_mrozowski 🎊

Congratulations on the public launch @patrick_mrozowski and team. The dedication to the customer experience here is really incredible.

I've been using point for a few months now and love it. Coming from a design background, the user experience is amazing end to end. The cards look sharp as well; dropping my card down for dinner with friends always starts a fun convo. Great job guys.