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: September 8, 2024 | Credit Card Review 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.
- 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)
Credit limit range $3,000-$30,500
Avg. Credit limit$10,938
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
No foreign transaction fee.
