Credit Cards (US)

X1 Credit Card full review: High rewards rate!

Are you looking for a card with great benefits and a high rewards rate? If so, read our X1 Credit Card review to learn its pros and cons!

X1 Credit Card: No annual fee!

This credit card is in the future, but you can get it today: read this full review. Source: The Mister Finance.
This credit card is in the future, but you can get it today: read this full review. Source: The Mister Finance.

Are you looking for a credit card that offers great rewards and perks but comes with no annual or late penalty fees? Look no further than our X1 Credit Card review!

X1 Credit Card

How to apply for the X1 Credit Card?

Do you need a reliable and flexible credit card to help make your financial dreams come true? Read on to apply for the X1 Credit Card!

Credit ScoreGood score. But X1 considers other factors during application.
APR15.25% to 27.50% variable APR for purchases and balance transfers;
27.50% variable APR for cash advances.
Annual FeeNo annual fee.
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.
Welcome bonusN/A.
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.

Also, this card is an attractive option for any budget-conscious cardholder! Moreover, this comprehensive review will show all its features and benefits!

In addition, you’ll be able to find low APR options and ways to pre-qualify with no credit score harm!

Therefore, we’ll start by breaking down what makes it unique among other reward cards. Also, this card offers perks from low APR to assorted additional benefits!

Keep reading our X1 Credit Card review to explore if this is the perfect credit card for your lifestyle!

How does the X1 Credit Card work?

The X1 Credit Card could be just the answer for your financial needs. Also, with no annual fees, no penalty fees for late payments, and a great rewards rate, this card offers up immense value!

Moreover, you can find convenient features perfect for modern living. For example, you can start using your card even before it arrives after the application approval.

In addition, you’ll be able to get high rewards for all purchases you make with your card!

X1 Credit Card benefits

You'll have an outstanding mobile service to manage your X1 credit card. Source: The Mister Finance.
You’ll have an outstanding mobile service to manage your X1 credit card. Source: The Mister Finance.

As we mentioned, the X1 Credit card offers high-level perks to its customers. Also, you can find that it offers benefits that differ from other cards.

You can get all the perks this card offers for no annual fee. Plus, there are no late payment fees or foreign transaction fees!

So, if you want to learn more about this card to make a decision, read our pros and cons list below!

Pros

  • You can get access to cell phone protection;
  • There are no annual fees, foreign transaction fees, or late payment fees;
  • You’ll have access to extended warranty protection and zero liability protection;
  • High rewards rate.

Cons

  • There is no information about a welcome bonus for new cardholders.

Pre-approved credit cards for low credit score available now

We analyzed your profile and found some offers that you can apply for today.

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How good does your credit score need to be?

X1 considers more than just your credit score during the application process. However, you’ll need a good credit score to have more qualifying chances.

How to apply for the X1 Credit Card?

You can easily apply for this great card online. Also, you can check if you pre-qualify for this card before you complete the application.

Moreover, the pre-qualification process does not harm your credit score! Keep reading the following content to see how you can get this credit card.

X1 Credit Card

How to apply for the X1 Credit Card?

Do you need a reliable and flexible credit card to help make your financial dreams come true? Read on to apply for the X1 Credit Card!

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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