X1 Card Expert Tips: Smart Usage Guide
The X1 Card from X1 is one of the most competitive credit cards in the cash back cards category. With a rating of 7/10, it offers no annual fee and impressive rewards including 2x on all, 3x groups of 3+ merchants.
In this comprehensive review, we break down everything you need to know about the X1 Card: rewards structure, fees, APR, welcome bonus, and how it compares to competitors. Whether you are looking for your first rewards card or adding to your wallet, this guide covers it all.
X1 Card Overview
The X1 Card is issued by X1 and is designed for consumers with Good-Excellent (700+). It carries a rating of 7/10 from our experts. For those with good to excellent credit, this card can be a valuable addition to your wallet.
| Feature | Details |
|---|---|
| Issuer | X1 |
| Annual Fee | $0 |
| Intro APR | N/A |
| Regular APR | 19.24% - 28.24% Variable |
| Rewards | 2x on all, 3x groups of 3+ merchants |
| Welcome Bonus | N/A |
| Credit Score | Good-Excellent (700+) |
| Foreign Tx Fee | 0% |
Rewards & Benefits Breakdown
The X1 Card earns 2x on all, 3x groups of 3+ merchants. Here is the detailed breakdown of earning rates:
| Category | Reward Rate |
|---|---|
| All Purchases | 2x on all, 3x groups of 3+ merchants |
| Welcome Bonus | N/A |
| Intro APR | N/A |
| Credit Score | Good-Excellent (700+) |
Since this card has no annual fee, you can keep it forever without cost. Use it for everyday purchases to maximize value.
Fees & APR Analysis
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Purchase APR | 19.24% - 28.24% Variable |
| Balance Transfer APR | 19.24% - 28.24% Variable |
| Foreign Transaction Fee | 0% |
X1 Card vs Competitors
See how X1 Card stacks up against similar cards.
| Card | Fee | Rewards | Bonus | Rating |
|---|---|---|---|---|
| Citi Double Cash | $0 | 2% (1% when you buy + 1% when you pay) | $200 cash back after $1,500 in purcha... | 9/10 |
| Capital One Quicksilver | $0 | 1.5% unlimited cash back | $200 bonus after $500 in first 3 months | 8/10 |
| Discover it Cash Back | $0 | 5% rotating categories (up to $1,500/quarter) | Unlimited Cashback Match for first year | 8/10 |
| Apple Card | $0 | 3% Apple/Daily Cash, 2% Apple Pay, 1% physical | N/A | 8/10 |
| Wells Fargo Active Cash | $0 | 2% unlimited cash back | $200 cash rewards after $1,000 in fir... | 8/10 |
Pros & Cons
✅ Pros
- Competitive rewards rate: 2x on all, 3x groups of 3+ merchants
- Welcome bonus: N/A
- No annual fee
- No foreign transaction fees
- Issued by reputable X1
❌ Cons
- Higher than average APR
The X1 Card is best for consumers who want a simple, no-fee card with solid rewards. If you have Good-Excellent (700+) credit and spend $2476/month on average, this card could earn you significant value.
How to Apply for X1 Card
Applying for the X1 Card is straightforward. Here is the step-by-step process:
- 1
Check Your Credit Score
Before applying, check your credit score. You need Good-Excellent (700+) for the best approval odds.
- 2
Compare Your Options
Compare the X1 Card with similar cards from other issuers to ensure it is the right fit.
- 3
Gather Required Information
You will need your Social Security number, income information, and address to apply.
- 4
Complete the Online Application
Visit X1.com or the X1 mobile app. The application takes about 5-10 minutes.
- 5
Await Approval Decision
Most applicants receive an instant decision. If approved, your card will arrive in 7-10 business days.
Frequently Asked Questions
You need Good-Excellent (700+) credit to be approved for the X1 Card. Approval is not guaranteed and depends on your overall credit profile.
Yes, with no annual fee, this card is worth keeping in your wallet indefinitely.
The purchase APR is 19.24% - 28.24% Variable.
No, the X1 Card does not charge foreign transaction fees, making it great for international travel.
Rewards can be redeemed through your X1 online account. Options typically include statement credits, gift cards, travel bookings, and direct deposits.
Conclusion
The X1 Card is a solid choice in the cash back cards category. With no annual fee and competitive rewards, it offers good value for the right consumer.
We recommend this card for anyone with Good-Excellent (700+) credit looking for cash back on their everyday spending. Compare it with other cards in our list to find the best fit for your wallet.
The X1 Card earns 2x on all, 3x groups of 3+ merchants. With a rating of 7/10, it is one of the better options in the cash back cards space. Recommended for consumers with Good-Excellent (700+) credit.