Advertiser Disclosure

Advertiser Disclosure

The credit card offers that appear on helpmebuildcredit.com are from credit card companies from which this site possibly receives compensation. This compensation may impact how and where credit card offers appear on this site. This site possibly does not include all available credit card offers.

Close
Stay updated on new credit card offers

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

There is no welcome bonus on this card.

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

Add to compare

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.

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 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)

60% Approved
740 Avg. Score of those approved
40% Denied
Approved 60% (3)
Denied 40% (2)

Credit limit range $7,500-$30,500

Avg. Credit limit$20,667

Approved 60% (3)
Denied 40% (2)

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.

Card Details And Benefits
Rewards

– Up to 10 points on all purchases for up to 30 days if a friend you invite using the invite option (when available in the X1 App) gets approved and activates their X1 Card. You and the invitee will get approved to earn either 4 points, 5, or 10 points on all purchases for up to 30 days.

– 3 points on all purchases for the preceding cardmember year if the total purchases of the preceding cardmember year totals $15,000 or more

– 2 points on all purchases

Foreign Transaction Fee

No foreign transaction fee.

People also viewed:

image

Ink Business Premier

image

Citi Double Cash

image

Nearside Business Debit

image

Blue Business Cash

image

Spark Miles Business

image

Spark Cash Plus Business

image

TD Business Solutions

image

Wells Fargo Active Cash

image

SoFi Card

image

PayPal Business Cashback

image

Synchrony Premier

image

Home Depot Consumer

image

Apple Card

image

Verizon Visa

image

Cash Visa Signature

image

Amex Plum Business

image

Capital One Savor

image

Divvy Business

image

Santander Cash Back

*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.

Download link sent
succesfully

Got it * please check your promotional inbox

Error sending download link

Try Again