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Welcome back. You will earn 4x points on every dollar spent during your first 30 days.

The Smartest Credit Card Ever Made

Designed for a new generation of cardholders

Join The Waitlist

Pure Stainless
Steel

Points on
Every Purchase

Higher
Limits

Annual
Fee

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
Cancel subscription
payments in
one click
Spend anonymously without
disclosing your personal
information
More Features
Create virtual cards for
one-time use
Get instant notifications
on refunds
Attach receipts to
purchases

Limits, completely rethought

X1 Card offers credit limits up to 5X higher1 than traditional cards. Higher limits mean you can spend the same amount with lower utilization, which can boost your credit score.2

Based on current
and future income
Up to 5X
higher
Increase
automatically

Unparalleled rewards for
every single purchase

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.

And unlock
30 days of

4x
points for each friend you invite who gets the card.
Earn unlimited points
Points never expire

See What You Will Earn

Annual Spend $15,000
3x
Earn 45,000 Points Worth at least $450

Redeem Points at Brands you Love

View More

Use points to pay for purchases in one click

Best in Class

12.9-19.9% Variable APR3

The lowest
APR range in class4

2% Balance Transfer Fee

The lowest
balance transfer fee in class4
Unbox Yours Winter 2020
Hear the
Metal