X1 Credit Card

X1 Credit Card Review

This is a rewards card issued by X1 Inc. If you're wondering whether X1 Credit Card is the right card for you, read on.

Key Takeaways

• Generous reward rate. You can get a rewards rate of up to 10x.
• Competitive APRs. X1 Credit Card has a variable purchase APR that ranges from 15.25% up to 27.50%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 2% Balance transfer fee. X1 Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Soft credit pull. You can check whether you qualify for X1 Credit Card without a hard pull on your credit report. Most credit card issuers don't offer this option.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel assistance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of X1 Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Extended warranty on purchases. Identity Theft Protection. Travel assistance insurance No foreign transaction fee. Cardholders can earn rewards on their purchases. X1 Credit Card reports to multiple credit bureaus.	You need good credit to qualify. Does not offer a signup bonus. You don't earn rewards on every purchase. Charges a 2% balance transfer fee.

X1 Credit Card FAQ

Does X1 Credit Card have a cash back or rewards program?

X1 Credit Card is a rewards card.

X1 Credit Card Rewards

Minimum rewards rate	2x
Max rewards rate	10x
Annual rewards limit	N/A
Signup Bonus ($)
Annual Loyalty Bonus Spend Requirement	$15000

What are the X1 Credit Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for X1 Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

X1 Credit Card has a variable purchase APR that ranges from 15.25% up to 27.50%. The card has a variable balance transfer APR that ranges from 15.25% up to 27.50%. It also has a variable cash advance APR of 27.50% .

What are the fees for X1 Credit Card?

The following fees apply:

• There is no overlimit fee

X1 Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	$10
Late Payment Fee	$0

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does X1 Credit Card report your account activity to credit bureaus?

Yes, X1 Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for X1 Credit Card

• Visit the X1 Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.