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The Smartest
Credit Card Ever Made

The Smartest
Credit Card Ever Made

17g

Stainless
Steel Card

2-4X

Points On
Every Purchase1

5X

Up to 5X
Higher Limits2

$0$

Annual
Fee3

17g

Stainless
Steel Card

2-4X

Points On
Every Purchase1

5X

Up to 5X
Higher Limits2

$0$

Annual
Fee3

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 time

Free Trial Cards

Auto-canceled in 24 hours

Single-Use Cards

Auto-canceled after 1 use

Standard Cards

Cancellable at any time

Free Trial Cards

Auto-canceled in 24 hours

Single-Use Cards

Auto-canceled after 1 use

Limits,
Completely Rethought

Your Limit

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

Rewards Terms

See What You Could Earn

Select your annual spend:

Spend $15,000

3X Points

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

Roadside Dispatch