You earn Eco Points for different things you do in the Eco app, like spending at supported merchants, transacting with your Eco Card, using Eco's Bill Pay feature, and saving every month. You can see the full breakdown on how many Points you earn for each of the above, here.
Eco Points are currently just for fun—or as we say at Eco, “for research purposes only.”
That said, you never know what can happen when something starts out as a toy...
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