X1 Credit Card Review 2023

The fact that the X1 credit card is touted as “The smartest credit card ever” seems like a good reason to get it right, right? If you are thinking of doing this Here’s what you need to know. Shall we?

Credit card x1

Overview of X1 Credit Card

The X1 credit card has several features that make it top-notch. of the same type of card For beginners It’s one of the few credit cards that doesn’t rely on your credit score to determine your creditworthiness or how high your credit limit will be.

Instead, it uses your current and future income to make decisions. This, the company claims, can result in credit limits up to five times higher than traditional credit cards.

This is because X1 bases insurance on your income. It’s not your credit score. So there is no hard pull on your credit. This may appeal to people working on rebuilding or repairing their credit.

When talking about awards The structure on the X1 card is one of the most generous we’ve seen on a card with no annual fee.

The card earns 2 points per dollar on every purchase. But what if you spend $15,000 or more in a year on the card? That rate increases to 3 points per dollar on every purchase that year.

Plus, if you refer a friend who signs up for the card, you’ll earn 4 points per dollar for one month. The biggest disadvantage of the X1 card for some people may be that you can only redeem rewards with X1 partners.

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It has more than 100 partners so far, including airlines, Airbnb, and retailers from IKEA to Etsy to Sephora, and points are worth at least one cent per point.

Highlights of the X1 credit card

  • Annual fee $0
  • There are no welcome bonuses or introductory APR offers.
  • There is no credit check. X1 uses income to provide credit lines.
  • Earn 2 points per dollar on every purchase.
  • Earn 3 points per dollar per year. If you spent $15,000 or more that year
  • Earn 4 points per dollar for one month for every referral who signs up for the card.
  • No foreign transaction fees
  • Redemption of rewards is possible only with X1 partners.
  • Visa Signature privileges and benefits

Get rewards

Credit card x1

X1 Credit Card earns at the following rates:

  • Get 2 points for every dollars spent
  • Get 3 points for every dollars spent If you spend at least $15,000 that year on the card
  • Earn 4 points per dollar for one month for every person you refer who gets an X1 card.


Prizes are worth between 1 and 2 cents per point. It depends on the retailer and redemption, according to Deepak Rao, co-founder and CEO of X1 Card.

Rewards can only be redeemed by purchasing on X1’s partner list and receiving statement credit for that purchase only.

Other card benefits of credit card x1

As a Visa Signature card, the X1 comes with the following benefits:

  • Car Rental Collision Damage Waiver: Pay for your rental car with the X1 card and decline the rental company’s collision damage waiver. And you will be covered for damage or theft of the vehicle.
  • Travel and emergency assistance: Access a call center 24 hours a day, 365 days a year that can connect you with services like medical referral assistance. Emergency transportation assistance and emergency ticket changes
  • Additional warranty protection: When you use your card to make eligible purchases. You will receive the US manufacturer’s warranty period. Eligible warranties are doubled, up to 1 year for eligible warranties of 3 years or less.
  • Travel benefits: Concierge service and exclusive guest status at Visa Luxury Hotel Collection hotels
  • Trip cancellation and interruption compensation: Non-refundable fares can be refunded if your trip is canceled or disrupted.
Credit card x1

Bottom line

The X1 Credit Card isn’t really a bad option. If you don’t have a good credit score, the X1 credit card might be a simple solution. for you to start earning a high score while building your credit at the same time.

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It all depends on whether you want to exchange points with X1’s partners or not.

If you like these partners and see the value you get from them, You will definitely get good redemption rates for your spending. However, it is worth noting that these partnerships are not exactly locked.

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