With four editions, including two limited editions designed by contemporary artist Laura Berger, the Point Card looks unlike any other debit card. But looks are only part of the story. Point Card is a premium debit card, with concierge-level service and an app that’s minimalist and well-designed. As its name implies, Point offers tons of rewards like 5x points on your subscription services (Netflix, Spotify and the like), 3x points on food delivery and rideshare (Uber, Seamless and more) and 1x point on everything else. But fear not, Point also offers special time-based bonus points like 3x on Huckberry, lululemon or Trader Joe’s. And if that wasn’t enough, you’ll also get phone insurance, new purchase insurance that covers damaged or lost items up to $1,000 each, trip cancellation and car rental insurance, global travel insurance and no global travel fees. If you still aren’t convinced, Gear Patrol readers can have their $49 membership fee waived by signing up through the link below.

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