A Different Kind
Of Credit Card

Start spending immediately,
before your metal card arrives.

Your limit is based on current
and future income.⁴

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

Roadside Dispatch

1. Based on rewards and benefits for Apple Card®, Chase Freedom Unlimited®, American Express Amex Everyday®, Citi Double Cash®, Capital One® SavorOne®, Bank of America® Unlimited Cash Rewards, Wells Fargo Active Cash® and Discover it®. X1 Card offers up to 3X points per dollar spent, and has the most complete set of insurance, purchase, and travel protection benefits. Terms as of October 19, 2022. Excludes introductory or promotional offers. See rewards terms for details. Rewards terms and partners are subject to change.
2. Variable APRs range from 20.24% to 29.99% based on creditworthiness. Rates as of August 28, 2023.
3. Accepting an X1 Card after your application is approved will result in a hard credit pull, which may impact your credit score.
4. Individual credit limits will vary by applicant and are subject to credit approval and underwriting.
5. Investing and advisory services are provided by X1 Wealth LLC, a SEC-Registered Investment Advisor. X1 Wealth is a wholly owned subsidiary of X1 Inc. X1 Wealth does not manage or hold custody of client funds. Investment accounts are held by DriveWealth, LLC, a member of FINRA. Investment accounts are not FDIC insured. Investments are not guaranteed by Coastal Community Bank. All investing involves risk, including possible losses, and past performance does not guarantee future performance. Historical or expected returns and projections are provided for informational and illustrative purposes, and may not reflect actual future performance. This image portrays a fictional security, for illustrative purposes only. No content herein should be taken as a recommendation to invest in any specific security. Please see additional disclosures here.
6. Adding your first adult (18+) authorized user is free. Additional adult authorized users are subject to a fee of $1.99/month or $19.99/year. Child (under 18) authorized users are subject to a fee of $3.99/month or $39.99/year. See terms for details.
7. All non-X1 logos shown are for illustrative purposes and remain the property of their respective owners.
8. Accepting an X1 Card after your application is approved will result in a hard credit pull, which may impact your credit score.
9. Based on rewards and benefits for Apple Card®, Chase Freedom Unlimited®, American Express Amex Everyday®, Citi Double Cash®, Capital One® SavorOne®, Bank of America® Unlimited Cash Rewards, Wells Fargo Active Cash® and Discover it®. X1 Card offers up to 3X points per dollar spent, and has the most complete set of insurance, purchase, and travel protection benefits. Terms as of October 19, 2022. Excludes introductory or promotional offers. See rewards terms for details. Rewards terms and brands are subject to change.
10. Variable APRs range from 20.24% to 29.99% based on creditworthiness. Rates as of August 28, 2023.
11. Individual credit limits will vary by applicant and are subject to credit approval and underwriting.
12. Investing and advisory services are provided by X1 Wealth LLC, a SEC-Registered Investment Advisor. X1 Wealth is a wholly owned subsidiary of X1 Inc. X1 Wealth does not manage or hold custody of client funds. Investment accounts are held by DriveWealth, LLC, a member of FINRA. Investment accounts are not FDIC insured. Investments are not guaranteed by Coastal Community Bank. All investing involves risk, including possible losses, and past performance does not guarantee future performance. Historical or expected returns and projections are provided for informational and illustrative purposes, and may not reflect actual future performance. This image portrays a fictional security, for illustrative purposes only. No content herein should be taken as a recommendation to invest in any specific security. Please see additional disclosures here.
13. Adding your first adult (18+) authorized user is free. Additional adult authorized users are subject to a fee of $1.99/month or $19.99/year. Child (under 18) authorized users are subject to a fee of $3.99/month or $39.99/year. See terms for details.
14. All non-X1 logos shown are for illustrative purposes and remain the property of their respective owners.