X1 Card | The Smartest Credit Card Ever Made

Intelligent by Design

X1 Card is built from the ground up to transform how you shop and spend.

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virtual cards

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one click

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More Features

Always earn 2x points on every dollar spent.

When you spend $15,000+
in a year, earn 3x points on every dollar spent
that entire year.

Assumes an average credit limit of $4,479 granted to Generation Z, which is calculated by dividing their average total credit limit of $8,062 (source) by their average number of credit cards (1.8) (source). Actual credit limits subject to credit approval and underwriting.
Impact to your score may vary; credit scores are determined by credit reporting bureaus and rely on a number of factors that we cannot predict. Increases or specific changes to your credit score are not guaranteed.
Variable APR based on creditworthiness. This APR will vary with the market based on the Prime Rate.
Based on advertised terms as of June 4, 2021, for each of the following cards: Chase Sapphire Preferred®, American Express Blue Cash Preferred®, American Express Amex Everyday® Preferred, Bank of America Premium Rewards®, Citi Premier^SM. Excludes introductory or promotional rates.

The Smartest
Credit Card Ever Made