WalletHub Rating
3.9/5
X1 Credit Card has a rating of 3.9/5 according to our proprietary credit card rating system. This rating reflects how appealing X1 Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards'. To break it down further, X1 Credit Card earned a score of 2.9/5 for Fees, 3.4/5 for Rewards, 4.9/5 for Cost, and 2.8/5 for User Reviews.
WalletHub Rating Breakdown
User Reviews
2.8/5
17 reviewsRead and write reviews
Market Comparison
Market Comparison
4.0
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards” for this card.
Fees
2.9
Rewards
3.4
Cost
4.9
Other Features
0.0
4.0/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$0 - $75
APR on Purchases
20.24% - 29.99% (V)
Balance Transfer
APR: 20.24% - 29.99% (V)
Balance Transfer Fee
Rewards
Always earn 2x points on every dollar spent.
When you spend $1,000+ in a month, earn 3x points on your next $6,500 of Eligible Purchases during that calendar month. All Eligible Spend in excess of $7,500 during the calendar month will earn 2 points per dollar. Terms apply.
4X, 5X and even 10X points for every invited friend who gets a card.
Earn unlimited points that never expire.
X1 Credit Card's Additional Info
End free trials automatically with auto-expiring virtual cards.
Cancel subscription payments in one click.
Spend anonymously without disclosing your personal information.
Create virtual cards for one-time use.
Get instant notifications on refunds.
show more
X1 Credit Card Pros & Cons
High rewards rate
No foreign fee
No initial rewards bonus
No intro APR on purchases
No intro APR on balance transfers
Compare The X1 Credit Card vs. Popular Alternatives
 X1 Credit Card |  Chase Sapphire Preferred® Card |  The Platinum Card® from American Express |
|---|---|---|
3.9WalletHub Rating WalletHub Rating 3.9 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. User Reviews 2.8 Market Comparison 4.0 fees: 2.9 rewards: 3.4 cost: 4.9 Other Features: 0.0 | 4.6WalletHub Rating WalletHub Rating 4.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.9 Market Comparison 4.6 fees: 2.9 rewards: 4.8 cost: 5.0 Other Features: 5.0 | 3.0WalletHub Rating WalletHub Rating 3.0 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 3.0 User Reviews 3.8 Market Comparison 3.0 fees: 1.3 rewards: 4.6 cost: 2.3 Other Features: 5.0 |
annual fee$0 - $75 | annual fee$95 | annual fee$695 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR20.24% - 29.99% (V) | Regular APR21.49% - 28.49% (V) | Regular APRSee Pay Over Time APR |
Sponsored Apply Now | Sponsored Apply Now Rates & FeesTerms Apply |
X1 Credit Card Q&A
Can't find what you are looking for? Submit your question about X1 Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Upvotes
What's the starting credit limit for the X1 Credit Card?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
The starting credit limit for the X1 Credit Card can be anywhere between $9,500 and $43,500, according to cardholder reports. There is no specific starting credit limit for the X1 Credit Card included in the card's terms, but X1 says the average credit limit is $24,300. For the most part, X1 Credit Card credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.
How to Increase Your X1 Credit Card Credit Limit
If you're not satisfied with your starting limit, you can ask to get a credit limit increase by contacting customer service at (650) 514-5504. Alternatively, you can send them an email at [emailprotected]. A customer care agent will then contact you at the phone number they have on your file. But it's best not to ask to get a credit limit increase more than once a year.
The issuer will also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key to getting unsolicited credit line increases.
Upvotes
How do I apply for X1 Credit Card?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
You cannot apply for the X1 Credit Card right now, because applications for the card are no longer open at this point in time. The X1 Credit Card has been unavailable to new applicants. However, there are other cards available from X1 that you can apply for online or in person.
Similar Cards to the X1 Credit Card You Can Apply For
For more options, you can check out some of...
Upvotes
How much is the X1 Credit Card annual fee?
Reply
Chip Lupo, Credit Card Writer
@CLoop
The X1 Credit Card annual fee is $0 - $75. X1 Credit Card's $0 - $75 annual fee is higher than the average annual fee among new credit card offers right now. It's not the only fee you need to worry about with the X1 Credit Card, either.
X1 Credit Card Fees
- Annual Fee: $0 - $75
- Cash Advance Fee: 2%
- Foreign Fee: $0
- Balance Transfer Fee: 2%
- Max Late Fee: $0
To learn more,...
Upvotes
Is the X1 Credit Card a charge card?
Reply
John Miller, Credit Cards Moderator
@john_miller
No, the X1 Credit Card is not a charge card, it is a regular credit card.
The main difference between a charge card and a traditional credit card is that charge cards don't allow you to carry a balance between months.
Both types of cards allow you to buy now and pay later. Charge cards require the payment to be made for the full amount you owe at the end of the billing cycle. Regular...
Upvotes
What's the X1 Credit Card income requirement?
Reply
There is no disclosed X1 Credit Card income requirement. When it comes to income, the only thing that will be taken into account is whether you will be able to afford paying your new line of credit or not.
Having said that, it is also worth noting that the card only accepts applicants with excellent credit. Apart from your credit score and income, the issuer will also take various other factors into consideration, like your credit...
People Also Apply For
Related Credit Card Categories
X1 Credit Card is related to the following categories:
EMV Credit CardsPoints Credit CardsVISA Rewards Credit Cards
X1 Credit Card Reviews
Share your insights and review for the X1 Credit Card
5
35%
4
12%
3
0%
2
0%
1
53%
2.7
17 reviews
17 reviews
What's Your Rating?
Most Recent
Roger N
@rknaylor29
1 Star Rating
I first got the X1 Credit Card in December 2021. I was very pleased with the credit limit I received. It was definitely higher than most. The physical card was nice, too. I used it pretty regularly for over a year. In early 2023, I started using other cards and for the past several months, I did not use the X1 card at all. Then, today, I received an email that told me my account was closed. No warning. Just an email today. I reached out to them and was told that it was due to inactivity. I asked if I could reopen it or reapply. They told me no to both and that they are no longer accepting new applications. I am very disappointed with the way my account was handled. I hope others don't get treated this way. I will stick to the more well-known brands of cards.
Comment
luznathashakorionoff
@luznathashakorionoff
1 Star Rating
Nothing but problems with this X1 card. It looks pretty fancy, but that's about it. They reduce your limit with little notice and compel you to pay a certain amount to reinstate your original credit limit. This makes you wonder when they're going to do it again and just opt out of using the card anymore. I have a balance on the card right now that I want to pay off and not use it ever again. Guess what, aside from not having a phone number to call, which is totally weird... they do not accept balance transfers to or from them. They also don't accept checks; they will shred it upon receipt for your safety. Anyway, as I have said, this is just nothing but bad news, so if you are reading this, think twice before getting the card. And to my friends that I sent the referral link and actually got the card, I am so sorry I got you into this mess.
Comment
JULIAN B
@julianb06
5 Star Rating
This is an exceptional card—no annual fees, generous weekly point boosts, virtual cards, and exceptional virtual customer service support. It is an excellent card worth its weight—a nicely crafted metal card. You will be satisfied.
Comment
Bo D L
@bdelemos
5 Star Rating
The X1 Visa card is awesome! LOVE the instant CASH BACK REWARDS. There are weekly boosts which allow you to earn even more rewards for everyday purchases such as gas, restaurants, and groceries. The only negative thing is no live customer support. You can send a text through the app, but sometimes it can take a day to get a response. So if you are an irresponsible user who constantly is late on payments and needing support, I would stay away. But if you enjoy a 17g card that is beautiful and stands out, with great rewards, this is the card for you.
Comment
Shen Haku
@Shenny
4 Star Rating
X2 points doesn't mean 2% back... but this card is still useful.
You can only get a full 2% back if you use points to pay off purchases from certain stores that aren't everyday shopping places (like REI or Sony; however, if you use PayPal with the card, you can't pay off the purchases). It's 1.4% cash back if you just want point to cash conversion.
They give like 5 various category boosters that can be used once a week, which is decent.
The X1 card allows for the creation of single-use digital cards, which is its best feature.
Customer service is very responsive via text.
Overall, it's a decent card.
Comment
herman_versteeg
@herman_versteeg
1 Star Rating
My card was placed on hold for 5 days - right after I had paid off the full amount.
* 5 days of not being able to use my card is MUCH too long
* No information is provided as to why the card is put on hold
* Some automatic payments were declined and I have to manually fix this
* There was no reason to put my card on hold -- card paid off and there was no fraudulent activity
* I never received any information as to why the card was put on hold
* I reached out to the support by text - response time of about 30 minutes for each message (a bit slow)
* Support is useless, as all they can tell is that the account is on hold and that nothing can be done to speed up the process
This experience was horrible and I will stop using this card.
Comment
johnxianlin
@johnxianlin
1 Star Rating
Tried to make a large purchase on the card within my credit limit, got denied and support team said there's nothing they can do to manually approve the transaction. Support team is willing to do absolutely nothing to help resolve the situation.
Comment
Rodney Edmonds
@rodneyedmonds93
1 Star Rating
I did consider the X1 card to be a great credit card until they unjustly lowered my $25,000 credit limit to $4,000. Which in turn made my credit card utilization 90%. I have never been late on any payments and my credit score was 720. Their written reason was because I didn't pay enough on my payment which is ironic because I made a $750 payment. It is my opinion that being able to arbitrary lower your credit limit for no real good reason is unfair. Now I suffered a credit score decrease due to them. Thanks for nothing!
Comment
1
Julian Henry
@julianboydhenry
4 Star Rating
Card started out strong with great benefits, which they have unfortunately been chipping away at. It's still a solid card at the end of the day as long as you are taking advantage of the boosts.
Comment
1
Lefler96
@Lefler96
1 Star Rating
Terrible card and customer service is worse. I got this card for the metal aspect but I failed to do my research prior to getting this card. My day started with my account getting a hold due to potential fraudulent activity even though I confirmed by text/email that the charge referenced was me. After that, I had seven charges declined for no rhyme or reason from Amazon. Their reasoning was “we declined these charges.” After calling the text number provided I was promoted back to email or text. I want to actually speak to someone not a bot. They informed me to try again the following day, which I did, only to have it declined once more. I am promptly cancelling this card. Go with the Amex platinum if you have great credit and don’t mind paying an annual fee.
Comment
1
Review X1 Credit Card
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