The X1 Credit Card raises the bar with security and rewards

The X1 Credit Card raises the bar with security and rewards ...

The X1 Card* has recently hit the market with the promise of a handful of unique rewards and security features. It will be delivered to you in a branded box, unlike the usual envelope-wielding issuers.

In keeping with X1's desire to be unconventional, you can't just "apply" for it. Following the playbook of apps and services that seek to come across as exclusive, you can request an invite to apply by submitting your name, email address, and income.

  • Earn 2x points on every dollar spent
  • Earn 3x points on every dollar spent that entire year when you spend $15,000+ in a year
  • 4X points for 30 days for each friend you invite who gets the card
  • Earn 2x points on every dollar spent
  • Earn 3x points on every dollar spent that entire year when you spend $15,000+ in a year
  • 4X points for 30 days for each friend you invite who gets the card

Features of the X1 smart card

The X1 card intends to utilize technology to ease security and payment management problems, while allowing users to improve their credit more easily.

The issuer claims that a credit card offers up to five times the spending limit of a, with its average credit limit at $24,300. It also gives cardholders a chance to increase their credit by increasing their annual salary, which ranges from $40k to millions of dollars.

A third feature is the possibility of automated virtual cards, which automatically allows you to submit your personal information to the retailers, without compromising privacy. These virtual cards are a convenient option for free trials for new services and subscriptions you want to test.

Alternatively, you can generate virtual credit cards that expire in a set number of days that you specify. This can be helpful if you want to sign up for a free trial of a service and get an auto-expiration before you get charged, or if you want to share the credit with someone (say, a family member or employee) for a set period.

Rewards and referral bonuses are available.

The points system is fairly rewarding and has components unlike other cards on the market. You earn 2x points for every dollar spent on every purchase, and if you spend more than $15,000 in a year, you're automatically upgraded to 3x points for every dollar spent that year.

As long as you purchase a card, you can select "boost" categories from your app for 30 days. You also can make a referral bonus if you prefer (note that a referral bonus may trigger a )

Comparable cards

A 2% flat cash-rewards rate is comparable to the best flat-rate cards on the market, including the Wells Fargo Active CashSM Card and (1% when you buy, 1% when you pay).

The increase to 3x points with the X1 Card after you spend $15,000 in the year is reminiscent of Discover's Unlimited Cashback Match program -- which is offered on -- in that your total annual expenditure may earn you even more rewards. With the X1 card, however, the chance to earn a 3x points bonus lasts beyond your first year, unlike with Discover.


How should I choose a credit card?

Choose the type of credit card you're looking for, and consider whether or not the appropriate credit card is appropriate for you.

Is cash back better than points?

Cash back is a more accessible concept, but both cash back and points have their strengths and weaknesses. While cash back may be more universally applicable, points are often worth more in value than cash-back equivalents.

What is a virtual credit card?

A virtual credit card, or virtual account number, is a temporary credit card number used to make purchases online or over the phone safely. That means you don't have to disclose your actual account information, reducing potential identity theft. The virtual account number is generated randomly and expires after a set period of time so that it cannot be misappropriated in the future.

Our approach is toward the human development.

We review the cards that are in the highest demand and offer the best benefits. We scour the fine print so there aren't any surprises when you open a account. That way, readers can choose a different card with similar features if their choice isn't right for them. Our reviews are regularly checked and updated to reflect changes in offers and the market.

More credit card recommendations are needed.

A direct deposit of information and advice to help you make the most of your decisions with your money.

*The X1 Card has been collected independently by CNET and has not been reviewed by the issuer.

The editorial content on this page is based solely on objective, independent assessments by our writers and does not have any influence on advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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