Credit Cards

More Rewards, Fewer Fees: X1 Credit Card Review

Check out this comprehensive review of the X1 Credit Card! Learn to benefit from no fees and earn maximum rewards on all purchases. Keep reading!


Earn up to 3 points per purchase and enjoy exciting redemption options

X1 Credit Card
More Rewards, Fewer Fees: X1 Credit Card Review. Source: The Mad Capitalist

Introducing the X1 Credit Card in our review – a game-changer in rewards credit cards.

X1 Credit Card

Apply for the X1 Credit Card

Take advantage of exclusive offers when you apply for the X1 Credit Card. Earn up to 10X points – discover how to earn more rewards!

What sets it apart, you may ask? Well, let me tell you. Find out its features, benefits, and pointing rate. Read on!

  • 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.

X1 Credit Card: how does it work?

First and foremost, The X1 Credit Card cardholders can say goodbye to those pesky annual fees and standard credit score requirements.

It focuses on your current and future income, so it’s easier to qualify without a high credit score.

But that’s not all. This card has many convenient features that will save you both time and money. Let’s dive into the details.

No fees

Firstly, there are no annual fees, no late fees, and no foreign transaction fees.

Points on Every Purchase

But it doesn’t stop there. Every purchase you make with the X1 Credit Card earns you points.

Earn 2 points on all your purchases and 3 points on the next $7,500 you spend in a calendar month after hitting the $1,000 mark.

Then you can redeem them for travel, cash back, or even with popular brands like Apple, Airbnb, Nike, Sephora, and many more.


Now let’s talk about security. The X1 Credit Card has your back with its extensive list of security features:

  • Cell Phone protection to trip interruption reimbursement;
  • Purchase security;
  • Auto rental collision damage waiver;
  • Extended warranty and return protection.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Add Cardholders and earn extra points

You can still add up to 5 authorized users and collect more points on their spending.

X1 Credit Card: should you get one?

X1 Credit Card home page
Earn up to 3 points per purchase and enjoy exciting redemption options. Source: X1

The X1 Credit Card is good for those looking to get the best rewards and still boost their score.

If you have a good income, getting it might be even easier. So, review the pros and cons of the X1 Credit Card below to see if it’s what you are looking for.


  • No annual fee, late fee, or foreign transaction fee;
  • High and flexible rewards;
  • Packed with security features;
  • It helps to build and boost credit scores.


  • No welcome bonus;
  • Requires high income or score.

Credit score required

Indeed, having a good to excellent credit score is recommended.

However, income is also taken into account, so there is a possibility that less-than-perfect scores may still be accepted depending on circumstances.

X1 Credit Card application: how to do it?

Earn points on all your purchases with the X1 credit card. So apply now and find out how!

X1 Credit Card

Apply for the X1 Credit Card

Take advantage of exclusive offers when you apply for the X1 Credit Card. Earn up to 10X points – discover how to earn more rewards!

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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