There’s a new card that transforms how you shop, spend and earn! The X1 credit card is designed for a new generation of cardholders with its smart technology and unparalleled rewards program.
This card lets you earn 2X points for every dollar spent and 3X points on every dollar spent for the year if you spend $15k+ on the card in that year. Not only that, you also have a chance on earning 4X points on every dollar spent for a month for every friend you refer!
X1 Card also offers credit limits up to 5X higher compared to other traditional cards. So higher credit limits means you can spend the same amount with lower utilization, this can help boost your credit score.
Continue reading below to learn more about X1’s smart features and see if this card is the one for you!
X1 Credit Card Summary
| Bonus Available | No sign-up bonus available for this card |
| Ongoing Rewards/Benefits | Earn rates:
Credit limit is based on income, not credit score Accepted anywhere Visa is accepted |
| Balance Transfer Fee | 2% |
| Foreign Transaction Fees | None |
| Annual Fee | $0 |
* You can also compare the X1 credit card with other credit card bonuses!
PROS
- Good rewards rate
- No annual fee
- No foreign transaction fee
CONS
- No sign-up bonus offer
Editor’s Alternate Pick
 The Chase Freedom Unlimited® Card offers a $250 bonus after spending $500 on purchases in your first 3 months from account opening. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. In addition, you can earn: • 6.5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase TravelSM, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases. There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open. This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM. Member FDIC |
Earning X1 Rewards
The X1 card makes it easy for cardholders to earn points on every purchase. It lets them earn from a varying rate of 2X-4X for every dollar they spend.
X1 Rewards Structure:
- Earn 2X on all purchases
- Earn 3X on all purchases for the year if you spend $15,000 on the card annually
- Invite friends and earn 4X on all purchases for a month for every friend you refer.
There is no limit to how much you can earn and points never expire.
Redeeming X1 Rewards Points
When it’s time to redeem your rewards, you can use them for purchases at select merchants. Please note that the value of the points is adjusted based on the vendor you want to use them with.
You can choose from over 100 brands and the the base value is 1 cent per point and it will go up to 2 cents per point. The list of merchants includes:
- Alaska Airlines
- Apple
- Airbnb
- Asos
- Casper
- Crate & Barrel
- Delta Air Lines
- jetBlue
- Nike
- Patagonia
- REI
- Sephora
- Supreme
- Wayfair
- And more!
Not only that, you can use your point as a part of your purchase and you don’t have to wait until you have enough to redeem.
X1 Card Smart Features
The X1 Card comes with smart features that cardholders can take advantage of. Features like:
Create virtual credit cards with an expiration period you want
This is good for those who signs up for trials and not wanting to get charged when they forget to cancel. It’s also great if you want to make sure that certain payments never exceed a set date.
Create virtual credit cards to give as gifts
With this feature, you can create a virtual credit card to send to someone and load it up with as much money as you want and they can use it online anywhere Visa works! Not only that, you can create as many virtual credit cards as you want – quickly and easily through the app.
Instant notification on refunds
Furthermore, you can also receive an auto alert when a refund if issues on the card. This is useful since you’ll know when the refund happens instead of having to try to remember and check for it.
Attach receipt to purchases
You can see receipts on your purchases when you use the X1 Card! It’s great for those unrecognizable charges that you might have forgotten or if you ever need a receipt for taxes or reimbursement, you’ll have it capture for you automatically.
Incognito mode
There is also an incognito mode where you can shop and spend anonymously without your personal information tracked or disclosed.
Metal Design
The X1 Card if made out of 17 grams of pure stainless steel that it aesthetically pleasing to eyes. Metal cards are usually associated with high-end credit card products, so for a card with no annual fee this is a nice touch!
Conclusion
The X1 Credit Card is good for those who are looking for a change from the high annual fees. As this card comes with none as well as no hard pull and an earning rate of up to 4X!
Please note that there is no application available yet, just a waitinglist, so once it’s out you’ll be able to sign up and start using the card once you’re approved! Find our complete list of Credit Card Promotions today!
(Visit the link above to sign up for the X1 credit card)
What’s the Competition?
* Below are some of the top competitors to the X1 Credit Card to consider.
 The Chase Freedom FlexSM offers a $200 bonus after spending $500 on purchases in your first 3 months from account opening. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. You'll earn: • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! • 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • Unlimited 1% cash back on all other purchases You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. This card has no annual fee. |
 The American Express® Gold Card offers 75,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. You'll earn: • 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. • 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. • 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. • 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. • 1X Membership Rewards® point per dollar spent on all other eligible purchases. Other benefits: • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That's up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply. • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express(R) Gold Card at U.S. Dunkin' locations. • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express(R) Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required. • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express(R) Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required. • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property. This card has an annual fee of $325 with no foreign transaction fees (See Rates & Fees). Terms Apply. |
 The Chase Sapphire Preferred® Card offers 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. You'll earn: • 5x on travel purchased through Chase TravelSM • 3x on dining, select streaming services and online groceries • 2x on all other travel purchases • 1x on all other purchases • $50 Annual Chase Travel Hotel Credit • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase TravelSM This card carries a $95 annual fee. |
 The Chase Sapphire Reserve offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase TravelSM. You'll earn • 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel immediately after the first $300 is spent on travel purchases annually. • 3x points on other travel and dining • 1 point per $1 spent on all other purchases Get 50% more value when you redeem your points for travel through Chase Travel. This card does carry a $550 annual fee and there are no foreign transaction fees. However, you're able to earn a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year & up to $120 application fee credit for Global Entry or TSA Pre✓®. Member FDIC |
 The Blue Cash Preferred® Card from American Express offers a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It(R) to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors. Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.24% - 29.24%. You'll earn • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). • 6% Cash Back on select U.S. streaming subscriptions. • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). • 1% Cash Back on other purchases. • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. The card does come with a $0 intro annual fee for the first year, then $95. (See Rates & Fees) Terms Apply. |
 The Blue Cash Everyday® Card from American Express offers $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.24% to 29.24% variable APR. You'll earn: • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. • 1% back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. There are no annual fees with this card (See Rates & Fees). Terms Apply. |
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
