How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

X1 Card Review

X1 Card
Rewards Rate
2X points on every purchase regardless of category, 3X points every time you spend $1,000 in a month, 4X, 5X and even 10X points for every friend who gets a card. Up to 10X points at leading online stores such as Apple, Nike and Sephora when you shop in the X1 App
Virtual Cards
Transform how you spend with disposable virtual cards. Cancel subscription payments in one click, end free trials automatically, and shop anonymously without disclosing your personal information
Reward Redemption
Points are awarded the minute you spend
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
Citi is an advertising partner.

Our take: This card offers a solid rate of 2X points on every purchase — with the opportunity to earn up to 10X points on eligible purchases. But unless you plan to redeem those rewards at one of X1’s partner merchants (in order to get the most value), there are other rewards cards worth considering.

Is the X1 Card a good card?

If you’re looking for a credit card that offers at least 2 points per dollar on everything you buy, the X1 Card is a strong contender. You can get 2X points on every purchase regardless of category, 3X points every time you spend $1,000 in a month, 4X, 5X and even 10X points for every friend who gets a card. Up to 10X points at leading online stores such as Apple, Nike and Sephora when you shop in the X1 App.

This card doesn’t offer a sign-up bonus or intro APR on purchases or balance transfers, but it does have a $0-annual-fee and there are no late fees. You’ll also get access to a broad range of travel and purchase benefits, including trip interruption reimbursement and extended warranty protection.

That said, if you prefer a card that offers a sign-up bonus, an interest-free period on purchases and balance transfers or more flexibility in redeeming rewards, you should look at other cards.

Pros and cons

  • Accelerated rewards rate
  • $0 annual fee and no late fees
  • Ability to add up to five cardholders
  • Foreign transaction fees: $0
  • Ability to get preapproved
  • Highest rewards value when redeemed with X1 partners
  • No sign-up bonus
  • No intro APR

Quick facts

    • Stunning 17g stainless steel card
    • No impact to your credit score to see if you're approved
    • Limits are based on current & future income and increase over time
    • No annual fee. No late fee. No foreign transaction fee
    • Points redeemable for travel, cash back or at top brands including Apple,Airbnb, Lululemon, Nike, Sephora, Wayfair and more
    • Disposable virtual cards to transform how you spend: Cancel subscription payments in one click, end free trials automatically, and shop anonymously without disclosing your personal information
    • Comprehensive benefits: cell phone protection, trip interruption reimbursement, purchase security, auto rental collision damage waiver, extended warranty protection, return protection, zero liability and more
    • Up to 5 authorized users with no age restrictions, so everyone can build credit. Effortlessly track family spending, set limits to avoid overspending, and turn off lost cards instantly
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 660 720 850
    Good / Excellent
  • Ability to add up to five cardholders
  • Cell phone insurance
  • Trip interruption reimbursement
  • Travel and emergency services
  • Roadside dispatch
  • Purchase protection
  • Auto rental collision damage waiver
  • Extended warranty protection
  • Return protection
  • Zero fraud liability
  • Visa Signature Concierge services

Intro Purchase APR

N/A

Regular Purchase APR

20.24% to 29.99%

Intro BT APR

N/A

Regular BT APR

20.24% to 29.99%

Annual Fee

$0

Cash Advance Fee

2%

Foreign Transaction Fee

$0

Balance Transfer Fee

2%

X1 Card benefits

  • Accelerated rewards rate

    You’ll get 2X points on every purchase regardless of category, 3X points every time you spend $1,000 in a month, 4X, 5X and even 10X points for every friend who gets a card. Up to 10X points at leading online stores such as Apple, Nike and Sephora when you shop in the X1 App.

    If you’re likely to spend more than $1,000 per month on the card, this is a great opportunity to earn a strong earning rate on your purchases. For example, if you charge $3,000 in one month, you’ll earn 2X points on the first $1,000, and 3X points on the additional $2,000 — for a total of 8,000 points (worth up to $80).

    Just know, the 3X rate is only available on up to $7,500 in spend per calendar month.

  • $0 annual fee and no late fees

    This card charges a $0 annual fee for the primary account holder and a $0 fee for your first adult authorized user. After that, each additional authorized user is subject to a fee of $1.99 per month or $19.99 per year. Child authorized users (those under the age of 18) are subject to a fee of $3.99 per month or $39.99 per year.

    Plus, there are no late fees or overlimit fees. That said, because your payment history and amounts owed play such a big role in determining your credit score, it’s important to pay your balance on time each month and in full whenever possible.

  • Foreign transaction fees: $0

    As for foreign transaction fees, this card has $0. This means you won’t be charged additional fees if you use the card to make purchases abroad.

    By contrast, some cards charge 3% to 5% of the amount of each transaction for purchases made outside the U.S.

  • Ability to get preapproved

    During the application process, X1 will perform a soft pull on your credit to see if you’re approved. Just know, if you accept the card after receiving approval, a hard inquiry will be initiated, which may affect your score.

X1 Card drawbacks

  • Highest rewards value when redeemed with X1 partners

    To get the most value from your X1 Card rewards, you must redeem them for purchases at eligible merchants — including Adidas, Amazon, Airbnb, Best Buy, Hotels.com and more — through the X1 app. When used this way, points are typically worth 1 cent each.

    You can also redeem points for statement credit at a mediocre rate of less than 1 cent each. If eligible, points can also be used to purchase stocks or virtual gift cards.

    There are rewards cards available that offer more value when you redeem them for cash back, travel and more. For example, Citi Double Cash® Card gives you 1 cent per point for statement credits. Chase Sapphire Preferred® Card points are worth 1.25 cents each when redeemed for travel through Chase TravelSM.

  • No sign-up bonus

    While this card offers a solid rewards rate, it doesn’t come with a sign-up bonus. If you want to earn a lump sum of rewards upfront, there are a variety of $0-annual-fee cards available that offer valuable sign-up bonuses.

  • No intro APR on purchases or balance transfers

    If you plan to carry a balance on your card from month to month, you’ll be subject to interest charges at an APR of 20.24% to 29.99% variable. So if you need to finance a large purchase or transfer a balance from another credit card, you should opt for a card that offers at least a 12 month interest-free period on purchases or balance transfers.

Alternative rewards cards to the X1 Card

X1 Card vs. Wells Fargo Active Cash® Card

| Disclosures
Wells Fargo Active Cash® Card*
Wells Fargo Active Cash® Card
Learn More
on Wells Fargo's secure site
0% intro APR for 15 months from account opening
20.24%, 25.24%, or 29.99% Variable APR
$0
Earn unlimited 2% cash rewards on purchases
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don't expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
660 720 850
Good / Excellent
*The information related to the Wells Fargo Active Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


 
If you prefer a card with a simpler rewards structure and intro APR on purchases and balance transfers, the Wells Fargo Active Cash® Card is a great alternative. The card lets you earn unlimited 2% cash rewards on purchases. Plus, you’ll earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. Rewards can be used:

  • To cover past purchases (can be as little as $1)
  • As a credit to a qualified Wells Fargo credit card, checking account or mortgage
  • For cash in $20 increments at an ATM (when you use your Wells Fargo ATM or debit card)
  • Toward gift cards from a variety of retailers

This $0-annual-fee card offers a 0% intro APR for 15 months from account opening on purchases, then a 20.24%, 25.24%, or 29.99% Variable APR. There’s also a 0% intro APR for 15 months from account opening on qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% Variable APR.

X1 Card vs. Citi Double Cash® Card

| Disclosures
Citi Double Cash® Card
Citi Double Cash® Card
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees
N/A
19.24% - 29.24% (Variable)
$0
Earn 2% on every purchase with unlimited 1% cash back when you
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
600 660 720 850
Fair / Good / Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

 

Similar to the Wells Fargo Active Cash® Card, $0-annual-fee Citi Double Cash® Card offers a flat cash back rate on every purchase.

You’ll earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. Rewards can be redeemed for cash back as a statement credit, direct deposit, check, travel or gift cards or transferred to a few of Citi’s hotel and airline partners.

The Citi Double Cash® Card doesn’t offer an intro APR on purchases, but it does have a slightly longer intro APR on balance transfers than the Wells Fargo Active Cash® Card. New cardholders get an intro APR of 0% intro APR for 18 months on Balance Transfers. After that, a 19.24% - 29.24% (Variable) APR applies.

But besides $0 fraud liability, this card lacks the robust benefits and protections offered by the X1 Card. Additionally, it charges foreign transaction fees if you use it to make purchases outside the U.S.

Is the X1 Card right for you?

If you typically charge between $1,000 and $7,500 per month — and if you don’t mind redeeming your rewards for purchases at X1’s merchant partners — you can get a decent amount of value from the X1 Card.

But if you prefer a simpler rewards structure and the ability to carry a balance for more than a year without incurring interest charges, the Wells Fargo Active Cash® Card will be a better fit. Or, if you need a longer time-period to pay off a transferred balance interest-free, you should consider the Citi Double Cash® Card.

Learn More
on X1's secure site
The information related to the Wells Fargo Autograph Card and Wells Fargo Active Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The information related to the X1 Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.