X1 Card

4.58K reviews
Content rating
Everyone
50K+
Downloads
Content rating
Everyone
In-App Purchases
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About this app

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.
The smartest credit card ever made.
Updated on
Apr 6, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
  • This app may share these data types with third parties
    Personal info, Financial info, and Device or other IDs
  • This app may collect these data types
    Location, Personal info and 8 others
  • Data is encrypted in transit
  • You can request that data be deleted

Ratings and reviews

4.28K reviews
Matt Campbell
June 15, 2026
Card was epic and made it my daily usage card. all downhill in recent years. they've screwed up comically easy things like processing basic numbers. once managed to charge me a random $30+ finance charge on a zero balance and never corrected. All intro rates for cash back have disappeared where it is now the industry standard making its value come down to customer service. like most like entities now they've outsourced and scripted everything so needing actual help is impossible.
2 people found this review helpful
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Anne Laux
January 7, 2026
App not accepting payments----keep getting an error message when submitting my payment through the app. Contacted customer service and received a help guide for how to make a payment---which was completely unhelpful since that did not address the issue at all. I've had this card for 2 years and have never had an issue making a payment on the app, I don't even know if they have a website for me to make a payment!
4 people found this review helpful
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Dave Thrash
December 31, 2021
WARNING: In some cases they ARE doing a "Hard Pull" on your credit ... They did on mine (only Experian so far), but they aren't completely "Soft Pull" as they claim ... Another note: So far, in setting up autopay, I've only seen the option to "pay full balance every month", not a minimum due, however, that might be one of the "extra perks" that appear over time, so be advised! That being said, the app is nice, the features are nice, and the card itself is beautiful ... Super quick shipping!
12 people found this review helpful
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What’s new

Bug fixes and performance improvements.