Does anyone know where to find a Gemara text with nekudot online? I'm having trouble finding one.
Depending on which tractate you're looking for, you could try Tuvia's who also makes his texts available online for free at e-daf.com. (It's one of the "size" options in the dropdown. Note: they don't have all tractates.) Greenfield Judaica also has the Oz V'Hadar Menukad.
For other online versions (which also don't appear to be complete as of this posting), see, e.g.:
See also here.
You can get 7 daf a week with nekudot on the dvar malchus from lubavitch as a PDF http://dvarmalchus.org/Download.aspx?History=True Online. The entire 7 year cycle. Scroll down towards the end of the pdf.