Credit Cards

How to Apply for the X1 Credit Card and Get the Best Rewards

Looking for a rewards credit card you can trust? Learn how to apply online for the X1 Credit Card. Earn up to 10X points - keep reading and learn more!


A Credit Card With Unique Benefits That Will Help You Build Your Credit Score

X1 Credit Card
How to Apply for the X1 Credit Card and Get the Best Rewards. Source: The Mad Capitalist

The X1 Credit Card is a top-rated, rewarding credit card with no annual fees- and best of all, you can learn how to apply here!


Credit Card


Quick Simple

Earn points on every purchase – $0 annual fee!

You will be redirected to another website

Keep reading for a step-by-step guide on how to apply easily and even boost your credit score!

Apply online

The best way to apply for the X1 card is online. By submitting an application online, customers can qualify for a credit decision within minutes.

Additionally, customers who apply online may be eligible for exclusive offers and discounts. Here is the step-by-step:

  1. Firstly, head over to the official website of the X1 Credit Card;
  2. There, locate and find the “Apply Now” button;
  3. Then, fill out their questions about your details and finances;
  4. Enter your name, date of birth, Social Security Number, email, and phone number.

After submitting the information requested, continue, and wait for approval.

Notably, one distinctive feature of the X1 Credit Card application process is their use of a soft inquiry so that it won’t affect your score. 

Apply using the app

X1 Credit Card home page
A Credit Card With Unique Benefits That Will Help You Build Your Credit Score. Source: X1

The option to apply for the X1 credit card via the app is unavailable.

X1 Credit Card vs. Petal® 2 “Cash Back, No Fees” Visa® Credit Card

One card often compared to the X1 Credit Card is the Petal® 2 “Cash Back, No Fees” Visa® Credit Card.

While both cards offer rewards, the X1 Credit Card offers up to 2 points back on all purchases, while the Petal® 2 card provides up to 1% cashback.

Additionally, both cards don’t have welcome bonuses, but they help boost your score.

Ultimately, whether you choose the X1 Credit Card or another one depends on what kind of rewards you’re looking for.

Be sure to compare the features of each card below.

X1 Credit Card

  • Credit Score: Good-Excellent;
  • Annual Fee: $0;
  • Purchase APR: 20.24% – 30.24% (variable);
  • Cash Advance APR: 30.24% (variable); 
  • Welcome Bonus: N/A;
  • Rewards: Earn 2 points on all purchases; Earn 3 points per dollar spent on your next $7.5k purchases in a month after spending $1k already. Up to 10X points for every invited friend who gets the X1 Credit Card.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Petal® 2 “Cash Back, No Fees” Visa® Credit Card

  • Credit Score: 630-850 (Average – Excellent);
  • Annual Fee: No annual fee;
  • Regular APR: 17.99% – 31.99%;
  • Welcome bonus: No welcome bonus;
  • Rewards: 1% cash back on eligible purchases, up to 1,5% cash back when cardholders pay on time; also, 2%-10% bonus cash back at some eligible merchants.

Start your application for Petal® 2 “Cash Back, No Fees” Visa® Credit Card by following our instructions below. Read on!

Petal Logo

How to apply for Petal 2 Visa Credit Card

Do you know how to apply for the new Petal 2 "Cash Back, No Fees" Visa Credit Card? Read our step-by-step guide on how to go through the process.

About the author  /  Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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