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.

End free trials automatically
with auto-expiring
virtual cards

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payments in
one click

Spend anonymously without
disclosing your personal
information

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.

Individual credit limits will vary by applicant and are subject to credit approval and underwriting. We cannot guarantee any specific credit limit, but most approved applicants receive a limit higher than their current average line.
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