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
2X
points on every purchase
regardless of category
3X
points every time you spend
$1,000 in a month
4X, 5X and even
10X
points for every invited friend
who gets a card
X1+ Exclusive
4X
at select travel brands
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.
Travel
- Airbnb
- Alaska
- American
- Booking.com
- Delta
- Emirates
- Four Seasons
- Hawaiian
- Hotel Tonight
- Intercontinental
- Jetblue
- JSX
- Lyft
- Rentalcars.com
- Southwest
- Uber
- United
- Westin
- Zipcar
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
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.
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
Protection
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