Credit Cards
X1 Credit Card Review: earn up to 10x points
Get the full scoop on the popular X1 Credit Card. Enjoy several travel and security benefits. No foreign transaction or late fees!
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Note: This credit card is no longer available. Some information in this post might be outdated. For the most current documentation and updates, please refer to the product’s original page.
A card with no annual fees and travel benefits for the whole family

Tired of paying full price for everything you buy? Then take a look at the X1 Credit Card review. It may be just what you’re looking for!
In this blog post, we will look at every detail of the X1 card in-depth. So keep reading and learn everything you need! Let’s get started!
- Credit Score: Excellent/Good Credit;
- Annual Fee: $0;
- Regular APR: 15.50% – 27.75% variable;
- Welcome bonus: None;
- Rewards: 3x points per dollar every time you spend $1k monthly, 2x points on all purchases, and more.
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How does the X1 Credit Card work?
X1 Credit Card has revolutionized the way you view credit. With X1, there is no impact on your credit score to see if you’re approved.
Also, X1 offers customers up to five times the traditional limit on a credit card. Furthermore, it charges no annual, late, or foreign transaction fees.
X1 fulfills all of your dreams. Besides, points can be redeemed for travel, cash back, or at top brands, including Apple, Airbnb, Lululemon, and more.
Moreover, it even offers disposable virtual cards that transform your spending: cancel subscription payments in one click, end free trials automatically, and shop anonymously.
Finally, X1 provides comprehensive benefits such as cell phone protection, purchase security, trip interruption reimbursement, and more!
X1 Credit Card pros and cons

X1 Credit Cards provide several advantages to those who use them, such as rewards points and other discounts.
On the other hand, it may also be linked to higher interest rates than many other cards.
It’s important to review any X1 Credit Card offers carefully before committing to weigh the pros and cons of using one.
Ultimately, X1 Credit Cards can be a good choice for some consumers, depending on their needs and spending habits. So, analyze our comparative and understand more!
Pros
- No associated annual fee;
- Amazing travel perks like collision damage waiver, assistance, and concierge service;
- Earn points while spending;
- Reimbursement of canceled trips is subject to the conditions;
- Limits that are up to 5x higher than other cards;
- No impact on credit score after approval;
- Cell phone theft protection.
Cons
- Only people with good or excellent credit scores can qualify;
- There is no introductory bonus;
- Redeeming rewards is somewhat limited.
Does my credit score need to be good?
To access the X1 Credit Card in this review, you must have a good or excellent score. That is, a score between 670-850 is required.
However, the interest varies, being lower for higher scores.
Want to apply for the X1 Credit Card?
Do you have your eye on the X1 Credit Card but aren’t sure how to apply? Don’t worry! We’re here to help you!
Here, you’ll find out the requirements and the right documentation! So if you’re looking for an easy way to get started, read our guide now!
Apply online
Applying for the X1 Credit Card couldn’t be simpler: just fill in the application form easily found on the official website.
As long as you are over 18 and a U.S. resident, you only need to enter personal data, like your name, address and social security number, and bank details.
In addition, you’ll also have to provide your credit score. They’ll review your application – which takes just minutes.
If approved, you can enjoy all the exclusive benefits before you know it.
Apply using the app

The application for the X1 Credit Card is made exclusively through the website.
However, if you want to apply via mobile devices, you can access your smartphone or tablet browser and start the procedure.
In this sense, you must complete the same form with personal and financial information.
Then simply submit your proposal and wait for the credit analysis that does not affect your credit score.
X1 Credit Card vs. Wells Fargo Autograph℠ Card
X1 Credit Card is an excellent choice for those looking to reap the rewards of their purchases.
However, consider the Wells Fargo Autograph Card if you seek a card with more immediate bonus rewards.
After all, he offers 20,000 bonus points after $1,000 worth of purchases in the first three months.
Furthermore, the Autographś Card also offers a great deal with 3X on restaurants, travel, and other eligible purchases and 1X points on other purchases.
Are you interested in learning more? Then see the comparison and choose the best card for you!
X1 Credit Card
- Credit Score: Excellent/Good Credit;
- Annual Fee: $0;
- Regular APR: 15.50% – 27.75% Variable;
- Welcome bonus: None;
- Rewards: 3x points per dollar every time you spend $1k monthly, 2x points on all purchases, and more.
Wells Fargo Autograph℠ Card
- Credit Score: 690-850 (Good – Excellent);
- Annual Fee: $0;
- Regular APR: 0% intro APR on Purchases for 12 months from account opening. Then, 19.49%, 24.49%, or 29.49% Variable APR;
- Welcome bonus: Limited offer of 20,000 bonus points after $1,000 worth of purchases in the first three months;
- Rewards: 3X on restaurants, travel, and other eligible purchases; and 1X points on other purchases;
- Terms apply.
The Wells Fargo Autograph℠ Card is a great addition to the X1 Credit Card. After all, you have a welcome bonus of 30,000 points.
Check the post below for the documentation required to apply.
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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