An Unrivaled Experience
Your metal card number
is only a tap away.
Find any transaction
with a quick and easy search.
Get notified immediately
about all your purchases.
Points are awarded
the minute you spend.
Charged incorrectly?
Dispute it in a few taps.
Lost your card?
Get a new one right in the app.
Onboard in Minutes
See if you're approved
with no impact to your credit score4.
Start spending immediately,
before your metal card arrives.
Virtual Cards
Transform how you spend with disposable card numbers.
Standard Cards
Cancellable at any timeFree Trial Cards
Auto-canceled in 24 hoursSingle-Use Cards
Auto-canceled after 1 useLimits, Completely Rethought
Up to 5X higher
Based on current & future income
Increase over time
X1 Card offers credit limits up to 5X higher than traditional cards.
Higher limits mean you can spend the same amount with lower utilization,
which can boost your credit score.5
Unparalleled Rewards on Every Purchase
2X
points on every purchase
regardless of category
3X
points for the entire year
if you spend $15,000
4X, 5X and even
10X
points for every invited friend
who gets a card
See What You Could Earn
Select your annual spend:
45,000 Points
Worth up to $450.
Redeem Points at Brands You Love
Tech
- Apple
- Beats
- Best Buy
- Bose
- Masterclass
- Nintendo
- Playstation
- Sonos
- Sony
- Xbox
Fitness
- Adidas
- Cannondale
- Lululemon
- Nike
- Outdoor Voices
- Patagonia
- Peloton
- Rogue Fitness
- REI
- Trek
Retail
- Allbirds
- Amazon
- Anthropologie
- Aritzia
- Asos
- Casper
- Crate & Barrel
- Costco
- Etsy
- Everlane
- Glossier
- Home Depot
- Ikea
- Reformation
- Sephora
- Supreme
- Uniqlo
- Warby Parker
- Wayfair
Travel
- Airbnb
- Alaska Airlines
- American Airlines
- Delta
- Hotels.com
- Hotel Tonight
- Southwest Airlines
- United Airlines
- JetBlue
- Uber
- Vrbo
- Zipcar
…or Get Instant
Cash Back.
Even More Ways to Earn Points
Shop in the X1 App
and earn up to 10X points
at leading online stores.
Earn 4X Points
at Nike.com
Activate Boosts
on your everyday spending
to earn even more points.
Earn 5X on Your Next
Uber or Lyft Ride
Earn 5X on Your Next
Restaurant Purchase
Earn 5X on Your Next
Amazon Order
Earn 5X on Your Next
Food Delivery Order
Earn 5X for Using
Apple or Google Pay
Designed with the Entire Family in Mind
Add cardholders with no age restrictions, so everyone can build credit.
Add up to 5 cardholders
Everyone gets a card
Earn points together
As the primary cardholder, effortlessly track family spending, set limits to avoid overspending,
and turn off lost cards instantly.
Peace of Mind at Home & Abroad
No Annual Fee
No Foreign Transaction Fee
No Late Fee
Benefits & Perks
Cell Phone Protection
Trip Interruption Reimbursement
Purchase Security
Auto Rental Collision Damage Waiver
Extended Warranty Protection
Return Protection
Zero Liability Protection
Visa Signature Concierge Service
Travel and Emergency Assistance
