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Earn points on every purchases!

X1 Credit Card: no annual, foreign or late fees!


With the X1 Credit Card, you can enjoy a worry-free experience – no annual fees and up to 5x higher limits than other cards. Plus, get amazing travel perks such as collision damage waiver coverage, assistance services, and concierge options! Talk about stress-free spending! On select purchases, earn 2x points all way up to 10x rewards.


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The X1 Credit Card can be your new companion for incredible trips around the world. After all, its benefits such as assistance, insurance and concierge are wonderful. In addition, see what other benefits the card offers!

Between 3x and 10x points on select purchases;
No annual or foreign transaction fees;
Exclusive travel benefits;
Fraud and phone theft protection.

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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.

X1 logo

Applying for the X1 Credit Card: learn how!

Searching for an easy way to apply for the X1 Credit Card? Look no further! This card has no annual fee and a reward program! Read on!

The Wells Fargo Autograph℠ Card is an alternative to the X1 Credit Card. After all, it has a welcome bonus of 20,000 points plus 0% APR for the first 12 months. Interested and want to apply? Find out how in our exclusive post.

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How to apply Wells Fargo Autograph℠ Card

Find out how to apply for the Wells Fargo Autograph℠ Card. Enjoy rewards and no annual fee. Read on and learn more!

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