Icon X1 Card

X1 Card

  • Finance
View in App Store

X1 Card

  • Finance
4.9
11.7K ratings
Age Rating

4+

Seller
X1 Inc.
View in App Store

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User Reviews for X1 Card

5
Hands down my favorite card!

I’ve only had my card for a few weeks now but the customer service has been hands down the best I have ever had to deal with! The fact that I can text the company and have a real person text me back within a very short time period and have a nice conversation to handle my needs says a lot! I hope they never lose this close interaction with their customers! And I really liked the sleek presentation when getting the card. You have a lifetime customer here after only a handful of interactions!

Alex Wygant, Mar 30, 2023
5
The credit card of the 21st century

This is what every card has to be. I was approved and the card got added to my apple wallet immediately. Excellent. Next the card allows me to create virtual cards on the fly in such an effortless manner that I can only wonder why the other banks are not offering this feature. Additionally the card provides the best points out there. So far I would use CITI double cash for everything which would give me a 2% cash back. With x1 after you spent 15k you get 3% back that you can spend within a vast number of places. Highest points return card with no limit on categories. Spend anywhere and get 3% back.

Arthlete7777, Dec 10, 2021
1
Small bank with too big of dreams

Earned points and because they didn’t want to award the points, they closed my account :) After a year of being a customer, paying on time and using the card almost every day as my primary card, they finally decided to close my account and accused me of what they call “deception” when I emailed to ask why I wasn’t awarded points, if the app is transparent enough to show that I will receive points :)) For this, they closed my account with nearly $950 in points. All my points, gone. Down the drain. This is a very reckless, and amateur bank that I highly suggest everyone avoid. Trust me, use an AMEX, Chase, or whatever other bank and take the safe route! Oh and btw it’s not private or safe at all because they have reps that look you up on linked in and other platforms, for some off reason. Sounds like an invasion of privacy to me more than a financial place..

baroxxi, May 22, 2023
4
Loving the card with one pain point.

I had been in the waiting list for months and was overly excited when my invitation arrived. I went through the application process and was most excited about the no hard pull of your credit. I was a little skeptical about giving access to my bank account but thought since there was no hard pull I would make an exception. So to my shock when I’m the next day I get an alert from Experian saying X1 had pulled my credit! This is exactly what o didn’t want, another credit card inquiry on my credit report. To say I was heated is an understatement. I went online and found reviews of people saying this had happened to them and they also read and were under the impression that this card was only a soft pull. I wish they would be more transparent and say that they also pull you credit after you are approved. I still would have applied but probably would have waited until another time when I hadn’t just had my credit pulled for something else…

Jaye404, Mar 20, 2022
4
Nicely done BUT

Very nice smooth app, I’ve not encountered any flaws and customer service has always been helpful and fast. My issue is this, how fast they’ve ALREADY altered their rewards program. I am a man of consistency when it comes to just about everything. When I first applied for this card in 2022 the rewards were if you reach a certain spend amount they would triple your points for the year which would give you ultimately 2.1 percent back on everything. Good deal. Then I look today in 2023 they’re now changing that program to a measles 1.4 percent on your first thousand spent every month and only get 2.1 on purchases made after that threshold monthly. That’s bogus. Smh. Always a catch sooner or later. May or may not continue to use this card when my year is up

Joeb4820, Jan 23, 2023
5
X1 best metal card

Very simplistic and clean, looking application, which allows you to simplify your life. And a time where everything is hidden and made hard to take advantage of the benefits. It’s nice to see a Card doesn’t care about having you jump through hurdles to get cash back. He clearly shows anytime you make purchases or cash back. It is easy to make payments into add other card members. It is easy to add a partner and not have to show all purchases, which is great during the holiday season ! Very excited about my new metal card and would refer anyone who asks.

JohnnyDGar, Sep 10, 2023
5
Wow! Unbelievably smooth experience.

I’m not one to write reviews, but these people deserve some recognition. Every detail of my experience so far with this app and company has been unbelievably smooth. It’s been so smooth I’m kind of still waiting for the ball to drop. Like, their has to be a catch. Applying is smooth. The card shipment was quick and smooth. The app setup is crazy slick. Setting up auto payment is simple, fast, and for the first time ever for me, you even have options about how often you want to pay (and you even get rewarded). They’ve left no stone unturned. A lot of hard work went into this and it shows.

KittenParade, Feb 12, 2022
2
Pretty App and great Support but Bait and Switch

The app is only as good as the product behind it. The 3% has now changed and only available on the amount over $1000 spent each month. I’m taking advantage of the 3% this year until my term lapses. And it’s only 3% at certain vendors. I think the team has promise and are adapting, so hopefully they will make necessary changes before going away… Otherwise, back to the solid Double Cash and other 2% cards. Confusing for newcomers too. It only shows 2% because after my 1yr of 15k spend, they go back and give me the 3% after my 1yr. However this plan is gone for new folk. Good luck X1 team. I was SO looking forward to not using anything else now and in the future too…

MacFella, Feb 18, 2023
5
Amazing

This card is the absolute package. This is what the Apple Card should of been. The application process was easiest and fastest credit card application process. My bank wouldn’t link to the app so I have to email copies of bank statement and i thought i would have to wait a week - nope! Less then 24 later i got an email for approval, just had to confirm my address for the card and done. The app is a little getting use to but it’s designed around the digital world. THERE IS NO website access or iPad access. It is STRICTLY iPhone app access. My favorite is the brand partnership, i use about 90% of the companies for the points to earn and if i shop somewhere that isn’t you can boost your purchases for limited time. Once you figure it and use the card right, you can earn A LOT of points. This will DEFINITELY compete with my AMEX. Be carful and monitor your spending, don’t get out of control. My limit is more than 10K… They will approve you for thousands, they do they to help utilization. Look it up!

Packerm, Mar 24, 2022
1
I should have never applied

I’m expecting my credit score to take a big hit next month. X1 issued me an account with a 18K limit and a 30% APR about 8 months ago. I applied and excepted the card only to boost my credit score by having more available credit. I had no plans to use the card except for an emergency because of an interest rate bordering on usery. It’s definitely exploitation but that’s how the game goes sometimes. I’ve only charged around $300 total in 8 months and have never carried a balance. They lowered my limit to 7K and sent me an email saying if I start using the card they would consider raising it again. Losing that much available Credit is going to cause my credit score to take a pretty big hit. I regret applying for this card and I will probably end up canceling the card all together out of principle. I personally recommend Apply for the Apple Card or another Goldman Sachs issued credit card. Wells Fargo is also aggressively issuing credit. They are much better alternatives than this company.

Pick3pro, Oct 27, 2022

Description

To apply for X1 Card, please visit x1.co. X1 Card The smartest credit card ever made. Designed for a new generation of cardholders, X1 Card embodies a new category of credit card. - 17g of pure stainless steel - Higher credit limits - Points on every single purchase - No annual fee - No foreign transaction fee - No late fee X1 App The technology powering X1's smart features. - View your transactions balance and 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 Please contact support within the app, and we'll respond as soon as possible.

Disclosures X1 is a financial technology company, not a bank. X1 Card is issued by Coastal Community Bank, member FDIC, pursuant to license from Visa U.S.A. Inc. Individual credit limits will vary by applicant and are subject to credit approval and underwriting. We cannot guarantee any specific credit limit, but most approved applicants receive a limit higher than their current average line.

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