X1 Credit Card Review: Exploring Key Features, Bonuses, Pros & Cons

The X1 Credit Card is a unique rewards credit card that has gained popularity for its innovative features and attractive perks. With no annual fee, this card is designed to cater to individuals with solid income but less-than-perfect credit scores, making it an appealing option for a wide range of consumers. Bonus rewards and a high credit limit are just some of the reasons why the X1 Credit Card has captured the interest of many cardholders.

One of the key features of the X1 Credit Card is its flexible rewards structure, which allows users to earn 2 points per $1 spent on eligible purchases, with no caps on the total number of points that can be accrued. Additionally, the card’s proprietary app enables users to take advantage of bonus rewards on everyday spending through a single tap on their smartphones, providing a seamless way to maximize the card’s benefits. The X1 Card is also a Visa Signature card issued by Coastal Community Bank, ensuring a reliable and globally recognized payment network.

Apart from the rewards program, the X1 Credit Card boasts innovative virtual card capabilities, which provide added security when shopping online. These features, along with other key benefits, make the X1 Credit Card an A+ choice for individuals looking to maximize rewards without having excellent credit. This review will delve into the key features, bonuses, pros, and cons of the X1 Credit Card, helping potential cardholders make an informed decision about whether or not to add it to their wallet.

Key Features

The X1 Credit Card is a notable rewards card, offering unique features and benefits that cater to various cardholders. One impressive characteristic is its earning potential on regular purchases. Eligible purchases can earn you 2 points per $1 spent, with no caps applied.

For those who spend more, the rewards accumulate further. If you spend at least $1,000 in a month, you’ll earn 3X points on every dollar spent, as reported by Business Insider. The more you spend, the more rewards points you can generate, increasing the card’s appeal among big spenders.

Another attractive aspect of the X1 Credit Card is its referral bonuses and Boosts. Referring a friend to sign up for the card can earn you up to 10X points in bonuses. These bonus points can help maximize your reward potential just by sharing the benefits with others.

In addition to its attractive rewards structure, the X1 Credit Card comes with no annual fee, making it an A+ rewards card for individuals with a solid income but a weak credit score.


The X1 Credit Card offers several notable bonuses for cardholders, making it an attractive option for those looking to maximize their rewards potential. One of the primary bonuses is the points-based reward system, with eligible regular purchases earning 2 points per $1 spent, without any caps on the points you can earn.

Additionally, the card offers tiered rewards for monthly spending milestones. Cardholders can earn 3X points every time they spend $1,000 in a month, with the potential to increase point earnings through referral programs.

Furthermore, X1 Credit Card allows you to refer friends and earn increased point multipliers based on your referrals. For every friend you refer, you can earn a temporary boost in points—one referral gives you 4X points for a month, and the more friends you refer, the higher the potential point multiplier, up to 10X points on every $1 spent for up to a month.

It is essential to mention that the X1 Credit Card is a Visa Signature card issued by Coastal Community Bank, adding credibility and widespread acceptance to the card’s offerings.


The X1 Credit Card offers a number of advantages for consumers. With no annual fee, cardholders can enjoy the benefits of the card without the burden of an added yearly cost. Additionally, eligible regular purchases earn 2 points per $1 spent, allowing for a rewarding experience.

For individuals with a solid income but a weak credit score, the X1 Card is an A+ rewards card. This means the card is well-suited for people looking to improve their credit standing while still earning rewards points on their spending.

An attractive feature of the X1 Card is its referral program. Cardholders can earn up to 10x points in referral bonuses or Boosts, making the rewards system even more appealing. Furthermore, the X1 Card is constructed with 17-gram stainless steel, providing a premium look and feel.

Another aspect that sets the X1 Card apart is its innovative virtual card capabilities. These features add security and convenience for cardholders, allowing them to make purchases online without worrying about their physical card’s information being compromised.


Despite its many benefits, the X1 Credit Card has some drawbacks that potential cardholders should consider.

One of the main disadvantages of the X1 Credit Card is the relatively low redemption value for points. According to Money Crashers, this credit card’s rewards system may not offer the best value compared to other rewards cards, especially considering the competition in the market.

Another downside is that the 3x rewards tier requires an annual spend of $15,000 on the card. This spending threshold may not be easily achievable for some cardholders, limiting the earning potential of reward points. Additionally, the 3x rewards tier is subject to a spending cap, which further restricts the reward potential of this card.

Lastly, it is important to note that the X1 Credit Card is a newer offering in the credit card market. As a result, it may not have the same level of recognition and acceptance as more established cards from well-known issuers. This could potentially limit the usage and convenience of using the credit card for a wide range of transactions.


The X1 Credit Card offers a unique combination of benefits, including an attractive rewards program, high credit limits, and no annual fee, making it a compelling option for those with a solid income yet a weak credit score. With its 2 points per $1 spent on eligible regular purchases, the X1 card provides significant rewards potential.

As a Visa Signature card issued by Coastal Community Bank, the X1 Card offers a blend of cash and travel rewards, giving cardholders versatility in redeeming their points. Furthermore, this stainless steel metal card comes with a range of additional benefits and opportunities to earn higher point multipliers.

Despite its impressive features, consumers should consider their individual spending habits and financial goals when deciding if the X1 Card is the right fit. Comparing the card with other available options in the market is essential to ensure that its benefits align with their preferences and needs.

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