X1 Card

The X1 Card typically requires Good to Excellent (670+) credit. If your score is near the lower end of this range, you may still be approved but could receive a lower credit limit or higher APR within the card's range. If your score is below the requirement, consider building credit with a secured card or no-fee starter card for 6–12 months before applying.

Since the X1 Card has no annual fee, it costs nothing to hold in your wallet. You earn 2x–4x points rewards on purchases with zero yearly cost. This makes it a risk-free addition to your wallet — even if you use it only occasionally, it contributes to your total credit limit (helping utilization) and account age (helping credit history length).

The regular APR is 19.24%–29.24%. Your actual rate within this range depends on your creditworthiness — better credit typically gets the lower end. The card also offers an intro APR of None, which can save significant interest on purchases or balance transfers during the promotional period. Use our payoff calculator to see exactly how much interest you would pay on a specific balance.

No. Even at the low end of the 19.24%–29.24% APR range, monthly interest charges will exceed your rewards earnings on the same spending. For example, a $2,000 balance accrues roughly $30–$50 in monthly interest at typical APRs, while 2x–4x points rewards on that spending is worth far less. Always pay in full to keep your rewards profitable.

Use our comparison tool to evaluate the X1 Card against alternatives side-by-side across 11 features including APR, rewards rate, annual fee, and sign-up bonus. Key factors to compare: if you prioritize rewards, compare the earning rate in your top spending categories. If you carry a balance, compare APR ranges. If you travel internationally, compare foreign transaction fees.

The X1 Card has a foreign transaction fee of None. This makes it a solid choice for international travel and online purchases from foreign merchants, as you won't pay extra on top of the conversion rate.

Paying only the minimum (typically 1–3% of your balance or $25–$35) means most of your payment goes to interest, not principal. On a $3,000 balance at the midpoint of the 19.24%–29.24% APR range, minimum-only payments could take 10–20 years to pay off and cost more in interest than the original balance. Always aim to pay significantly above the minimum — our calculator can show you the exact timeline.

The X1 Card does not prominently feature balance transfer offers. If you need to transfer a balance, consider a dedicated balance transfer card with a 0% intro APR period. See our balance transfer guide for a complete strategy.

Focus your spending in the card's highest-earning categories: 2x on All Purchases, 3x-4x on All Purchases (with referrals/spending tiers). Route recurring bills and everyday purchases through the appropriate category to maximize returns. Pair this card with a complementary card that covers categories where the X1 Card earns a lower rate. Always pay in full to ensure interest charges don't erode your rewards.

Applying for any credit card triggers a hard inquiry on your credit report, which typically lowers your score by 5–10 points temporarily. The new account also reduces your average account age. However, the increased credit limit can improve your utilization ratio. Most people see their score recover within 3–6 months if they manage the new card responsibly. Avoid applying for multiple cards within a short period to minimize cumulative impact.