Credit Cards (US)

How to apply for the X1 Credit Card?

If you need a card with high rewards and no annual fee or late payment fee, read our post to learn how to apply for the X1 Credit Card!

X1 Credit Card application: Pre-qualify with no credit score harm!

Find out how to add this beautiful credit card to your wallet. Source: The Mister Finance.
Find out how to add this beautiful credit card to your wallet. Source: The Mister Finance.

Are you looking to apply for a credit card that has amazing perks and a great rewards rate? If so, learn how to apply for the X1 Credit Card!

card

Credit Card

X1 Credit Card

no annual fee flexible

You can get rewards and other perks for no annual fee, even with a not-perfect score.

You will be redirected to another website

With this card, you can put yourself in line to get access to all sorts of special benefits!

In addition, you can pre-qualify quickly and easily with no harm to your credit score! So, what are you waiting for? Keep reading to find out more about this highly sought-after card and how to apply for the X1 Credit Card!

Online Application Process

X1 credit card claims to be the smartest one available today. Source: Canva.
X1 credit card claims to be the smartest one available today. Source: Canva.

To apply for this card, you’ll need to do it online and through the official application page. Moreover, you can fill out an application form quickly with the personal information required.

However, before you complete the official application, you’ll need to see if you pre-qualify with no harm to your credit score.

In addition, your credit score may get a hard inquiry if you decide to continue with the official application. However, you’ll get a quick response.

Application Process using the app

So, you can use this credit card mobile app to manage your card and finances at all times. Moreover, the app is available for Android and iOS.

However, the only way to apply for the X1 credit card is through the online application on the official website!

X1 Credit Card vs. Discover it® Cash Back Credit Card

If you’re unsure about getting the X1 Credit Card, you can try the Discover it® Cash Back Credit Card. Also, you’ll get perks for no annual fee!

Moreover, this card offers an incredible welcome bonus for new cardholders! So, read our table below to learn more about these cards!

X1 Credit CardDiscover it® Cash Back Credit Card
Credit ScoreGood.Good to excellent.
APR*15.25% to 27.50% variable APR for purchases and balance transfers;

27.50% variable APR for cash advances.
0% intro APR for purchases during the first 15 months from the account opening date;


0% intro APR for balance transfers for 15 months from the date of the first transfer;

Then, 15.74% to 26.74% variable APR;

*Terms apply.
Annual FeeNo annual fee.$0.
Fees*No penalty APRs;

2% of each balance transfer amount;

2% of each cash advance amount;

No foreign transaction fees;

No late payment and over-limit fees.

*Terms apply.
Cash advance fee: $10 or 5% of each cash advance amount, whichever is greater.

Also, the balance transfer fee has an intro of a 3% fee on balances transferred by March 10, 2023, and up to a 5% fee for future balance transfers.

*Terms apply.
Welcome bonus*N/A.Discover will match all the cash back you earned at the end of your first year.

*Terms apply.
Rewards*2x points on all purchases (regardless of the category);

3x points for the entire year (valid if you spend $15,00);

4x, 5x, or 10x points for every invited friend that gets a card.

*Terms apply.
5% cash back on everyday purchases each quarter at different places (up to the quarterly maximum on eligible purchases);

1% cash back on any other purchase you make with your card.

*Terms apply.

After checking this comparison table, do you think the Discover it® Cash Back Credit Card is a better fit? Don’t worry! We can tell you more about the application process to get one on the following.

Discover it® Cash Back

How to apply for the Discover it® Cash Back

Learn how the application process for the Discover it® Cash Back works and how you can easily get yours online!

About the author  /  Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by  /  Aline Barbosa

Senior Editor

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