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Although we put in a lot of effort to give our readers unbiased information, and we include many credit card offers on our website for which we do not get paid any compensation, we are legally required to notify you that we may be receiving compensation from some of the credit card companies mentioned on our website.

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Update: This card is no longer available for new applicants.

Bonus Value

Approximately $0

Annual Fee

$0

Card Rewards

3 points on all purchases if you spend $1,000 or more per month. You will earn the 3 points on the next $6,500 you spend in that month

2 points on all purchases 4 to 10 points on all purchases for 30 days for each friend you refer. X1 will randomly choose how many additional points you get

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: January 17, 2024 | Credit Card Review
Card Overview

The X1 Credit Card is a card redone from the bottom up. The physical card is made out of 100% stainless steel. Plus, you have the option of creating virtual cards to use online or for one-time use for signing up to free membership trails, etc. Approval and credit limits are not based on your credit score. Rather, it's based on your income and expenses. X1 claims that consumers can expect to be approved for credit limits up to 5X higher than other credit card issuers. The card earns 2X on all purchases and 3 on all purchases if you spend $1,000 or more per month. You will earn the 3 points on the next $6,500 you spend in that month.

Card-Smart Tips & Advice
  • Credit report: Coastal Community Bank will do a hard pull to check your Experian credit report only if you choose to accept approval for the card.
  • Approvals based on your income: Approval and credit limits are not based on your credit score. Rather, it's based on your income and expenses. To verify your income, X1 will ask for access to your bank accounts and will review the transactions, including your incoming and outgoing funds. Based on that they will decide if they want to approve you or not and what credit limit they are willing to approve for you.  

Approval Monitor (submitted by HelpMeBuildCredit users)

73% Approved
738 Avg. Score of those approved
27% Denied
Approved 73% (8)
Denied 27% (3)

Credit limit range $3,000-$30,500

Avg. Credit limit$10,938

Approved 73% (8)
Denied 27% (3)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Card Details And Benefits

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Savor Rewards

*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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