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X1 Card Review

X1 Card
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X1 Card
X1 Card
Michael Graw
Apr. 06, 2023
3 min read
Michael Graw
X1 Card Summary
The X1 Card is a no annual fee rewards credit card that launched in 2020. Its perks include 2X points on every purchase, which is increased to 3X if you spend more than $1,000 in a month. Points can be redeemed for purchases at over 50 brands or cash back. The X1 Card also comes with benefits like trip interruption protection and roadside assistance. Few cards offer a similar level of benefits with no annual fee.


  • No annual fee
  • Earn up to 3X points on every purchase


  • Requires minimum 680 credit score
  • Interest rates up to 27.75% APR

X1 Card at a glance

Editorial score


No fees


Accepts most credit types


FDIC insured, offers multiple security features

Customer service

Limited customer service

Online experience

User friendly site and app but no FAQs

X1 Card X1 Card Apply Now


The X1 Card launched in 2020 with the goal of creating a card that offers top-tier rewards without top-tier fees. The company’s Visa card charges no annual fee, no late fees, and no foreign transaction fees.

Despite being completely fee-free, the X1 Card offers 2X points on every purchase. That’s boosted to 3X points if you spend $1,000 in a month. In addition, cardholders can earn 4X, 5X, or 10X points for up to 30 days when they refer a friend or family member to the X1 card. Points can be redeemed for cash back or for purchases at more than 50 brands.

Suitable For?

The X1 Card is suitable for anyone who wants a rewards credit card, but doesn’t want to pay high annual fees. That makes it a great choice for individuals who don’t spend enough each year to make most rewards credit cards worthwhile. Individuals who spend over $1,000 in a month will get the most out of the X1 since this is the threshold for earning 3X points on every purchase.

The card especially stands out for online shoppers and travelers. Points are worth the most when they’re redeemed with X1’s more than 50 retail merchants. The X1 Card also provides travel perks like trip interruption insurance, a car rental damage waiver, and roadside assistance.

The X1 Card has strict qualification requirements, making it best for high earners with good to excellent credit. The minimum credit score to qualify is 680, and your credit limit is based on your income.

Interest Rates and Fees 

The X1 Card does not charge an annual fee. There are also no late fees and no foreign transaction fees.

Interest rates are variable and range from 15.75% -27.75%. You can view your balance and the amount of interest you’ll pay in the X1 Card mobile app. This can help you decide how much of your balance to pay off at the end of each month.

Annual FeeLate FeesForeign Transaction FeeInterest Rates
NoneNone15.75% -27.75%

Rewards & Cash Back

Despite being a no-annual-fee credit card, the X1 Card offers a generous rewards program. Cardholders earn 2X points on every purchase, with no rotating categories to keep track of. If you spend more than $15,000 in a year, all purchases made during that year are boosted to earning 3X points. The boost also applies retroactively to purchases you made before hitting the $15,000 threshold. 

X1 Card also offers a referral bonus. Cardholders are boosted to earning 4X, 6X, or 10X points on every purchase for 30 days after a friend or family member signs up for the card. Which reward level you receive (4X, 6X, or 10X) is determined randomly.

Points can be redeemed at a maximum rate of $0.01 per point when shopping in the X1 Card mobile app at more than 50 retail partners. Points can also be redeemed for cash back at a lower, variable rate.

X1 Card does not offer a signup bonus for new customers at this time, and the card does not have an introductory APR.

The Application Process

You can apply for the X1 Card online. You must enter your name, birthday, email, and phone number, then verify your phone number using an SMS code.

X1 Card will run a soft credit check in order to see if you pre-qualify for the card. You must have a minimum credit score of 680 to qualify.

X1 Card also requires you to connect a bank account using Plaid. If you cannot connect using Plaid, you can upload a bank statement. X1 Card uses this information to determine your initial credit limit.

If you’re approved for a card, X1 will send you a metal X1 Card by mail. You’ll receive your card number right away in the X1 Card mobile app and can start spending immediately wherever you can use the number.

Help & Support

X1 Card offers customer support by email only. It may take one to two business days to receive a response. The company’s website does not have an FAQs page or other support documentation.


The X1 Card comes with zero-liability protection for fraudulent purchases. Cardholders also get access to Visa’s dedicated fraud and identity protection team. The X1 Card mobile app does not offer two-factor authentication.

One of the neat features that X1 Card offers is the ability to create up to five virtual cards on your account. Virtual credit cards can be standard credit cards that you turn on or off at any time. They can also be set to expire after 24 hours or after a single use. Using virtual cards for online purchases can help you prevent fraud.


Does the X1 Card have an annual fee?

No, the X1 Card does not charge an annual fee. It also does not charge late fees or foreign transaction fees.

Can I earn cash back with the X1 Card?

The X1 Card offers up to 3X points on every purchase. Points can be redeemed for shopping at partner retailers or for cash back on your next statement.


The X1 Card is a rewards credit card with no annual fee. Cardholders earn up to 3X points on every purchase when they spend $15,000 in a year. The card also comes with travel benefits and referral bonuses. Plus, you’ll get access to virtual credit cards and zero fraud liability.

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This review is based on the X1 Card website and information provided to us by the X1 Card.

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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