X1 Credit Card – Check how to apply
X1 Credit Card – Check how to apply

If you have stable income but poor credit, consider using an X1 credit card. It’s a rewards card for anyone with a steady income, even if your credit rating isn’t that great.

The card has no annual fee and offers a good income structure. You can redeem your rewards at over 100 retail partners. These retailers cover many everyday shopping categories. Unfortunately, this card cannot be directly cashed back.

For your convenience, we reviewed the benefits of the X1 credit card and how to apply, summed up our findings and are happy to share them with you.

X1 Credit Card: Features

Depending on your current and future income, the X1 credit card offers up to 5 times the credit limit of traditional credit cards. Earn 2 points per dollar spent and 3 points per dollar when you spend $15,000 or more in the year. You will earn 4 points for each referred customer who signs up for the card.


Over 100 X1 retail partners can redeem with no foreign transaction fees. Rewards points never expire.

With the X1 Credit Card, you share in the privileges and benefits of Visa Signature. These benefits include comprehensive insurance for rental cars, as well as travel and emergency assistance through a 24/7 call center, 365 days a year.

If your trip is cancelled or interrupted, the card’s Trip Cancellation and Interruption Refund feature allows you to receive non-refundable passenger fare charges. Emergency tickets can even be issued if the original ticket was purchased with your X1 credit card.



The X1 credit card has no annual fee. Do not perform in-depth credit checks and use soft credit checks that do not affect your credit score. The X1 credit card uses your earnings to calculate your credit limit. You can also create single-use virtual cards. Rewards points never expire. Since the X1 credit card is a Visa card, you can also benefit from the benefits of the Visa Signature program.

Extended warranty protection is also available. When you use your card to make purchases from eligible X1 partner retailers, you’ll get twice the U.S. manufacturer’s warranty. This gives you a warranty of up to 1 year, and a warranty of 3 years or less.



You can only redeem your rewards at approximately 100 merchant partners on the X1 card list. X1 credit cards cannot be directly cashed back. No welcome bonus or introductory APR is offered.

X1 Credit Cards: Fees and Tariffs

The currently disclosed fees and duties are as follows:

  • Annual fee: none
  • Regular APR: 12.9% – 19.9% ​​for purchases and transfers
  • Transfer fee: 2%
  • External transaction fees: none
  • Late fee: none

X1 Credit Card: Eligibility

To apply for an x1 credit card, you should be at least 18 years old and have a stable income. Your income, not your credit score, is the main consideration.

How to get an X1 credit card

Currently, X1 credit cards are not accepting applications. However, there is a waiting list where you must enter your contact details. To add your name to the waiting list, visit the website online and enter your email address.

Once the X1 credit card is issued, we will contact you to complete the application process. You can check the waitlist status on the same website.

X1 Credit Card: Address and Contact

The group that issues and administers the X1 credit card is headquartered at 564 Market Street, Suite 700, San Francisco, CA 94104. They can also be contacted by email: contact@x1creditcard.com

in conclusion
Regardless of your credit rating, the X1 card offers some great benefits and features. If you have poor credit but steady monthly income, we encourage you to join a waiting list.