The Credit Card
For Smart Travel

Stay tuned for something new.

Arriving Spring 2024.

A Smarter Card

Numberless Option for Added Security

Your card's details are stored in the X1 App,
not on the card itself.

For Smarter Travel

Lounge access becomes wildly affordable
with this $75 annual fee card.1

Complimentary flight delay lounge access

In a first for a U.S. credit card, X1+ provides complimentary lounge passes for you and 4 others if your flight is delayed by 1 hour or more.2

Worldwide on-demand lounge access

X1+ also offers you on-demand lounge access at more than 1,000 priority lounges, worldwide, whenever you need it.3

…with No Foreign
Transaction Fee.

Best-In-Class X1 Rewards4


points on


points every time you spend
$1,000 in a month

X1+ Exclusive


at select travel brands

Rewards Terms

See What Points
Are Worth

Select a points amount:


60,000 Points




Worth up to $600

Redeem Points
at Brands You Love

Including 16 premium travel brands.


  • Airbnb
  • Alaska
  • American
  • Delta
  • Emirates
  • Four Seasons
  • Hawaiian
  • Hotel Tonight
  • Intercontinental
  • Jetblue
  • JSX
  • Lyft
  • Southwest
  • Uber
  • United
  • Westin
  • Zipcar


  • Apple
  • Beats
  • Best Buy
  • Bose
  • Masterclass
  • Nintendo
  • Playstation
  • Sonos
  • Sony
  • Xbox


  • Adidas
  • Cannondale
  • Lululemon
  • Nike
  • Outdoor Voices
  • Patagonia
  • Peloton
  • Rogue Fitness
  • REI
  • Trek


  • Allbirds
  • Amazon
  • Anthropologie
  • Aritzia
  • Asos
  • Casper
  • Crate & Barrel
  • Costco
  • Etsy
  • Everlane
  • Glossier
  • Home Depot
  • Ikea
  • Reformation
  • Sephora
  • Supreme
  • Uniqlo
  • Warby Parker
  • Wayfair

A Different Kind
of Credit Card

An unrivaled app

A strikingly convenient interface. Instant notifications on all your purchases. Points awarded the minute you spend. And much, much more.

Take control with virtual cards

Master subscriptions, organize your spending, and keep your details private with disposable card numbers.

Designed with the entire family in mind

Add cardholders with no age restrictions, so everyone can build credit. Track family spending, set limits, and turn off lost cards instantly.5

More ways to earn points

Shop in the X1 App at leading online stores, or activate Boosts on your everyday spending to earn up to 10X Points.

Learn More About X1

Elevated Perks
& Travel Benefits6

Travel Benefits

Trip Cancellation

$5,000 per person per trip

Baggage Delay

$100 per day for up to 3 days

Lost Luggage

$3,000 per trip


Purchase Protection

$10,000 per occurrence (includes Porch Piracy)
$50,000 per cardholder

Extended Warranty Protection

$10,000 per occurrence
$50,000 per cardholder

Return Protection

$250 per item / $1,000 annually

Cell Phone Protection

$750 per claim
$1,500 / 12 months ($50 deductible)

Car Rental Protection

Primary Insurance Domestic - Full value of rental car
Primary Insurance International - Full value of rental car

Zero Liability Protection

You won't be held responsible for unauthorized transactions made with your X1 card

Concierge Services

Visa Signature Concierge Service

Access to 24/7, 365 days a year assistance with travel planning

Travel & Emergency Assistance

Access to 24/7, 365 days a year emergency assistant services

Roadside Dispatch

Access to 24/7, 365 days a year roadside assistance