When it comes to credit cards, interest payments are what you’d call a “necessary evil.” After all, the only alternative is foregoing points and all the wonderful things that come with them. Right? No, actually. Point is a new debit card that syncs seamlessly with your bank account and delivers rewards with every purchase: 5X points on all your subscriptions (Netflix, Hulu, Spotify, etc), 3X points on your food delivery and rideshare purchases and 1X points on everything else. Plus other perks like phone and rental car insurance, global travel assistance and free ATM withdrawals, all managed with concierge-level service via Point’s slick mobile banking app. Additionally, InsideHook subscribers get 3X points on Huckberry purchases and $50 back in points if you spend $250 in the first 30 days. The end result? You lighten the load on your credit card and throw a few extra bucks into your pocket in the process. What’s not to like?