Point Card is the first card to combine the rewards of a high-end credit card, with the inherent advantages of a debit card. That means a new kind of debit card that earns amazing cash back, doesn’t charge foreign transaction fees, protects you from debt and encourages responsible spending. Point Card comes in four thoughtfully designed editions, has no impact on your credit score and no annual

Venmo is a mobile payment service owned by PayPal.

Braid is a new way to pool and pay with friends. Totally free. Money between friends shouldn’t have fees.