X1 Card 1.0.549

X1 Inc. ❘ Freeware ❘
iOS
out of 11961 votes

Revolutionizing Spending with the X1 Card

Pete Milner

04/03/2025

The X1 Card combines a sleek design with innovative features that cater to tech-savvy users, offering smart credit limits and easy expense tracking.

To apply for the X1 Card, please visit x1.co.

X1 Card

The X1 Card is a credit card designed for a new generation of cardholders. It is considered the smartest credit card ever made and represents a new category of credit cards.

Constructed with 17g of pure stainless steel
Offers higher credit limits
Earn points on every single purchase
No annual fee
No foreign transaction fee
No late fee

X1 App

The X1 App provides the technology that powers the smart features of the X1 Card.

View your transaction history, balance, and credit limit at a glance
Take control of your spending with virtual cards
Earn up to 5X Points on every dollar spent with boosts
Earn up to 10X Points when you shop in the app

Cardholder Support

If you require assistance, please contact our support team within the app. We strive to respond as promptly as possible to assist you.

Disclosures

X1 is a financial technology company and not a bank. The X1 Card is issued by Coastal Community Bank, a member of FDIC, under license from Visa U.S.A. Inc.

Credit limits will vary for each applicant and are subject to credit approval and underwriting. Although we cannot guarantee any specific credit limit, most approved applicants receive a limit that surpasses their current average line.

Overview

X1 Card is a Freeware software in the category Business developed by X1 Inc..

The latest version of X1 Card is 1.0.549, released on 07/03/2024. It was initially added to our database on 09/19/2023.

X1 Card runs on the following operating systems: iOS.

Users of X1 Card gave it a rating of 5 out of 5 stars.

Pros

No annual fee
Instant credit decision
Up to 2% cash back on all purchases
Rewards are redeemable with no minimum
User-friendly mobile app for tracking spending and managing rewards
Built-in security features including temporary card numbers and fraud monitoring
Flexible payment options, including the ability to pay early and avoid interest charges

Cons

Limited credit limit compared to traditional credit cards for new users
Not as widely accepted in all locations as major credit card networks
Lack of travel-related benefits commonly found in premium credit cards
May require a higher income verification process
Customer service response times can be slow due to high demand
No physical card option for some users, which may be inconvenient

FAQ

What is the X1 Card?

The X1 Card is a smart credit card that offers unique features such as instant credit decisions and rewards based on spending.

How do I apply for the X1 Card?

You can apply for the X1 Card online through the X1 Inc. website or mobile app by providing your personal information and financial details.

What are the key features of the X1 Card?

Key features include a flexible credit limit, no annual fees, rewards on every purchase, and a built-in budgeting tool.

Is there an annual fee for the X1 Card?

No, the X1 Card does not have an annual fee.

What type of rewards does the X1 Card offer?

The X1 Card offers rewards points for every dollar spent, with higher points on certain categories like dining and travel.

Can I use the X1 Card internationally?

Yes, the X1 Card can be used for international purchases without foreign transaction fees.

How is my credit limit determined with the X1 Card?

Your credit limit with the X1 Card is determined by your income, spending habits, and credit profile, which are evaluated in real-time.

Is there a mobile app for managing my X1 Card?

Yes, there is a mobile app that allows you to manage your account, track spending, and view rewards.

What should I do if I lose my X1 Card?

If you lose your X1 Card, you should report it immediately through the mobile app or customer service to protect against unauthorized charges.

Are there any late fees associated with the X1 Card?

Yes, late fees may apply if payments are not made by the due date as specified in your card agreement.

Pete Milner

I'm Pete, a software reviewer at UpdateStar with a passion for the ever-evolving world of technology. My background in engineering gives me a unique insight into the intricacies of software, allowing me to provide in-depth, knowledgeable reviews and analyses. Whether it's the newest software releases, tech innovations, or the latest trends, I'm here to break it all down for you. I work from UpdateStar’s Berlin main office.

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