Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
15.25% - 27.50%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
15.25% - 27.50%(Verified 06/21/2024)
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Credit Score Range
670 - 850
Annual Fee
$0
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.
- APRs: X1 Credit Card has a variable regular 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.
- A 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 Auto Rental Collision Damage Waiver, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of X1 Credit Card
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X1 Credit Card FAQ
Does X1 Credit Card have a cash back or rewards program?
X1 Credit Card is a rewards card.
| Description |
Does X1 Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does X1 Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the X1 Credit Card benefits?
X1 Credit Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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% .
Does X1 Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does X1 Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for X1 Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
There is a late fee of up to $0 . Does X1 Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for X1 Credit Card?
The customer service number for X1 Credit Card is (855) 903-1179.
What is the support contact email for X1 Credit Card?
The support contact email for X1 Credit Card is contact@x1.co.
What is the login page for X1 Credit Card?
You can access the login page of X1 Credit Card here.
How do people rate the customer service and user experience of X1 Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does X1 Credit Card report your account activity to credit bureaus?
Yes, X1 Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does X1 Inc perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. X1 Credit Card allows you to check your rates with a soft credit pull.
How to apply for X1 Credit Card
- Visit the website of X1 Credit Card.
- 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.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from X1 Credit Card
Contact
Headquarters
548 Market St Suite 30648
San Francisco, CA 94105
Hours of Operation
Sunday
9:00AM - 5:00PM
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 5:00PM