Yes! Like most credit products, the X1 Credit Card will help you build credit! It reports your monthly payments to all major credit bureaus – Equifax, TransUnion, and Experian. As a result, if you responsibly use your credit card, you’ll build or rebuild your credit score in no time!

Earning and redeeming X1 Credit Card points has never been easier! The rewards points are worth one cent per point when purchased at eligible X1 merchants. When you use your X1 Credit Card, simply look at the list of X1’s partners to select where you’d like to use your accrued rewards. Then, receive a statement credit against that purchase to redeem your points instantly. Alternatively, if you’d prefer cash back, you can still receive a statement credit in exchange for your points.

One of its most exciting features is Auto Rental Collision Damage Waiver, which allows you to decline a rental company’s collision damage waiver and receive coverage for any potential damage or theft to the vehicle instead. X1 also offers Travel and Emergency Assistance. In addition, X1 Credit Card holders are entitled to special guest status at Visa Luxury Hotel Collection properties and access to a concierge service to make bookings and reservations on your behalf.