Skip to content

X1 Visa Credit Card

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

The X1 “Smart” Visa Credit Card is made of pure stainless steel and offers up to 4X points per dollar on purchases for 30 days, if you can persuade your friends to jump on board. You’ll find a handful of distinct features like anonymous spending, automatically expiring virtual cards, and instant notifications on refunds. Though the card is yet to be released, you can check it out and join the waitlist by clicking the Apply Now button.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 12.90–19.90% Variable

X1 Visa Credit Card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


  • 4X points per dollar on every purchase for 30 days for each approved referral
  • 3X points per dollar on every purchase if you spend $15,000 annually
  • 2X points per dollar on every purchase

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 12.90–19.90% Variable
Balance Transfer Fee 2%
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee N/A
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
X1 Visa Credit Card


  • At least 2X points per dollar on every purchase
  • 3X points per dollar on every purchase if you spend $15,000 annually
  • 4X points per dollar on every purchase for 30 days for each approved referral
  • Earn unlimited points that don’t expire
  • List of subscription payments with option to cancel
  • Option to spend anonymously
  • Auto-expiring virtual cards
  • Instant notification on refunds
  • Option to attach receipts to purchases
  • Redeem points at over 100 well-known retailers
  • No annual fee
  • No foreign transaction fees


The X1 Visa Credit Card boasts 17 grams of pure stainless steel and offers credit limits based on current and projected future income, rather than creditworthiness alone. Though credit scores are still checked, it won’t be a hard inquiry.

You’ll earn at least 2X points per dollar on every purchase you make, but when you spend at least $15,000 in a year, you’ll earn 3X points per dollar on every purchase for that entire year. For each referral you invite who gets the card, you’ll earn 4X points per dollar for 30 days. If points are worth 1-2 cents each, then you could earn up to 8% cash back for 30 days after a successful referral.

The catch is, you may only be able to redeem the points you earn at a select list of companies. Whereas credit cards offered by most lenders allow you to redeem points for statement credits, the X1 card limits you to purchases made at about 100 retailers. Something to keep in mind!

The X1 “smart” card also comes with some innovative features we’ve never seen on a credit card before. You can spend anonymously without disclosing all of your private information, get instant refund notifications, and cancel any existing subscriptions with just one click (with the help of virtual cards).

This card comes with no annual and no foreign transaction fees.

For now you can join the waitlist to get the card, and we’ll update this page when more information becomes available.

Scroll to top