null error when trying to print bridge game

I am getting a java null error on this line when I run main

int rank = cards[i].getRank();

int points = cards[i].getPoints();

I am simply trying to get the countHighCardPoints() point values of the cards in the hand array and add the points to a sum. I am also going to assume my countDistributionPoints() will work if I was not also getting a null on char suit = cards[i].getSuit();

I also have a Card class and a Deck class already made.

Thus my Hand class which I need help on.

public class Hand
{

 //Holds an array of card objects
 private Card [] cards = new Card [13];

/**
 * Constructor takes array of Cards and assigns that parameter to
 * the instance variable
 */
public Hand(Card [] cards)
{
    Card [] hand = cards;
}

/**
 * Looks through each card in hand array and adds its points
 * if the card has any to a sum highPoints
 */
public int countHighCardPoints()
{
    int highPoints = 0;

    for (int i = 0; i < cards.length; i++) {

        int points = cards[i].getPoints();

       highPoints += points;

    }

    return highPoints;
}

/**
 * Counts the number of cards in each suit and will add points
 * for the suits value, so if 3 or more suits zero points,
 * 2 suits 1 point, 1 suit 2 points, 0 suits 3 points
 */
public int countDistributionPoints()
{
    int countPoints = 0;

    for (int i = 0; i < cards.length; i++) {
        //char suit = cards[i].getSuit();

        if (cards[i].getSuit() >= 3)
            countPoints = 0;
        else if (cards[i].getSuit() == 2)
            countPoints++;
        else if (cards[i].getSuit() == 1)
            countPoints += 2;
        else if (cards[i].getSuit() == 0)
            countPoints += 3;
    }

    return countPoints;
}

/**
 * Will print out the hand information in a neat format using a 
 * StringBuilder will print 4 cards containing rank,suit,points each line
 * in order from Clubs,Diamonds,Hearts,Spades if no cards of the suit it 
 * will print a blank line
 */
public String toString()
{
    StringBuilder hand = new StringBuilder();

            //         for (int i = 0; i < cards.length; i++) {
    //             char suit = cards[i].getSuit();

    for (int j = 0; j < 5; j++) {
        if (cards[j].getSuit() == 'C')
            hand.append(cards[j] + "  ");
        else if (j == 4) 
            hand.append("\n");
    }

        for (int j = 0; j < 5; j++) {
            if (cards[j].getSuit() == 'D')
                hand.append(cards[j] + "  ");
            else if (j == 4)
                hand.append("\n");
        }
    // 
    //             for (int j = 0; j < 5; j++) {
    //                 if (cards[j].getSuit() == 'H')
    //                     hand.append(cards[j] + "  ");
    //                 else if (j == 4)
    //                     hand.append("\n");
    //             }
    // 
    //             for (int j = 0; j < 5; j++) {
    //                 if (cards[j].getSuit() == 'S')
    //                     hand.append(cards[j]);
    //                 else if (j == 4)
    //                     hand.append("\n");
    //             }
    //         }


    return hand.toString();
}
}

Deck class for reference

public class Deck
{
//Holds an array of card objects
private Card [] cards  = new Card [52];

//Holds number of cards remaining in deck
private int count;

/**
 * Constructor to fill in card objects in order of suits
 * Clubs,Diamonds,Hearts, and Spades and keep count of remaining
 * cards in deck
 */
public Deck()
{
    //Fills in Club suit
    for (int i = 0; i <= 12; i++) {
        cards[i] = new Card(i+2, 'C');
        count = 52-13;
    }
    //Fills in Diamond suit
    for (int i = 13; i <= 25; i++) {
        cards[i] = new Card(i-13+2, 'D');
        count = 39-13;
    }
    //Fills in Heart suit
    for (int i = 26; i <= 38; i++) {
        cards[i] = new Card(i-26+2, 'H');
        count = 26-13;
    }
    //Fills in Spade suit
    for (int i = 39; i <= 51; i++) {
        cards[i] = new Card(i-39+2, 'S');
        count = 13-13;
    }
}

/**
 * Gets the value for count
 */
public int getCount()
{
    return count;
}

/**
 * The original cards in Card [] cards will be randomly shuffled
 * by Math.random() and positions will be swapped
 */
public void shuffle()
{
    for (int i = 0; i <= 51; i++) {
        int j = (int)(Math.random() * 52);
        int k = (int)(Math.random() * 52);

        //Swaps card positions
        Card temp = cards[j];
        cards[j] = cards[k];
        cards[k] = temp;
    }
}

/**
 * Creates a Card [] arrayOfCards which is 13 cards for each player 
 * and will determine number of cards that was dealt with count.
 */
public Card [] dealThirteenCards()
{
    Card [] arrayOfCards = new Card [13];

    for (int i = 0; i <= 12 && count < 52; i++) {
        arrayOfCards[i] = cards[i];
        count++;
    }

    return arrayOfCards;
}

/**
 * Creates a StringBuilder which will print 13 cards per line
 * containing their rank,suit,points
 */
public String toString()
{
    StringBuilder info = new StringBuilder();

    for (int i = 0; i < 13; i++) {
        info.append(cards[i] + "," + " ");
    }
    info.append("\n");
    for (int i = 13; i < 26; i++) {
        info.append(cards[i] + "," + " ");
    }
    info.append("\n");
    for (int i = 26; i < 39; i++) {
        info.append(cards[i] + "," + " ");
    }
    info.append("\n");
    for (int i = 39; i < 51; i++) {
        info.append(cards[i] + "," + " ");
    }
    //Will exclude a comma because last card printed
    for (int i = 51; i < 52; i++)
        info.append(cards[i]);

    return info.toString();
}
}