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!
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!
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
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.
You will be redirected to another website
By submitting this form, I agree that I am 18+ years old and I agree to the Privacy Policy and Terms and Conditions. I also provide my signature giving express consent to receive marketing communications via automated emails, SMS or MMS text messages and other forms of communication regarding financial products such as credit card and loans. Message frequency varies and represents our good faith effort to reach you regarding your inquiry. Message and data rates may apply. Text HELP for help or text STOP to cancel. I understand that my consent to receive communications is not a condition of purchase and I may revoke my consent at any time.
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 Card | Discover it® Cash Back Credit Card | |
| Credit Score | Good. | 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 Fee | No 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.
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
Reviewed by / Aline Barbosa
Senior Editor
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