X1 Card
X1 · Visa
4.1/5 RatingGood to Excellent (670+)
Key Details
- Annual Fee
- None
- Regular APR
- 19.24%–29.24%
- Intro APR
- None
- Foreign Transaction Fee
- None
- Balance Transfer Fee
- N/A
- Rewards Rate
- 2x–4x points
Sign-Up Bonus
Points vary by offer
Rewards Structure
- All Purchases2x
- All Purchases (with referrals/spending tiers)3x-4x
Pros
- ✓Up to 4x points on everything
- ✓No annual fee
- ✓Credit limit based on income, not credit score
- ✓Smart features like virtual cards and auto-locking subscriptions
- ✓Stainless steel card
Cons
- ✗Newer issuer with less track record
- ✗Point redemption options still evolving
- ✗Invite-only in some periods
Who Should Get This Card?
Tech-savvy users who want modern features and high earning potential. Good for high-income earners who may not have long credit histories.