The X1 Card is an attractive option for those seeking solid cashback rewards and a robust app experience, without foreign transaction fees.
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However, it lacks strong travel benefits and an introductory offer, making it less ideal for frequent travelers.
By Harlon Drosghic Apr 2026
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X1 Card
X1 • Visa N/A
- Annual Fee
- Free
- Cashback
- 3%
- Minimum Income
- —
Score by category
Rewards
★★★★★ 3.9/5
Score by category
Rewards
Points & Miles ★★★★★ 3.1/5
- Earn Rate 3.5
- Bonus Categories 3.0
- Redemption Value 3.0
- Points Expiration 3.0
- Transfer Partners 2.5
Cashback ★★★★★ 3.8/5
- Base Cashback Rate 4.0
- Caps & Limits 4.0
- Redemption Ease 4.0
- Bonus Categories 3.5
- Redemption Flexibility 3.5
Credit Building ★★★★★ 3.7/5
- Upgrade Path 3.0
- Credit Bureau Reporting 4.5
- Educational Tools 3.0
- Credit Limit Growth 3.5
- Approval Accessibility 4.0
Lower Fees ★★★★★ 4.2/5
- Annual Fee Value 4.5
- Cost Transparency 4.0
- Fee Waiver Potential 3.5
- Penalty Friendliness 3.5
- Foreign Transaction Fee 5.0
Purchase Perks ★★★★★ 3.5/5
- Extended Warranty 4.0
- Installment Perks 3.0
- Merchant Discounts 3.5
- Everyday Usefulness 3.0
- Purchase Protection 4.0
Travel Perks ★★★★★ 2.8/5
- Airport Lounge Access 2.0
- Travel Insurance 2.5
- Travel Redemption 3.0
- No Foreign Tx Fees 4.5
- Hotel & Airline Perks 2.5
Score by category
User Experience
★★★★★ 3.9/5
Score by category
User Experience
App / Experience ★★★★★ 4.3/5
- Ease of Navigation 4.0
- Self-Service 4.0
- Billing Clarity 4.0
- Feature Quality 4.5
- App Speed & Stability 4.5
Support Quality ★★★★★ 3.3/5
- Response Time 3.0
- Channel Availability 3.5
- Agent Professionalism 3.5
- First-Contact Resolution 3.0
- Resolution Effectiveness 3.5
Transparency ★★★★★ 4.0/5
- Terms Simplicity 4.0
- Billing Transparency 4.0
- Fee & Interest Clarity 4.0
- Charge Predictability 4.0
- Communication Clarity 4.0
Security & Control ★★★★★ 4.3/5
- Card Control Features 4.5
- Fraud Protection 4.5
- Virtual Card Experience 4.5
- Incident Resolution 4.0
- Real-Time Monitoring 4.0
Benefits Usability ★★★★★ 3.7/5
- Ease of Earning 4.0
- Ease of Tracking 3.5
- Real-World Value 3.5
- Rules Simplicity 3.5
- Ease of Redeeming 4.0
Pros & Cons X1 Card
Pros
- ✓No foreign transaction fees
- ✓Strong cashback rate
- ✓Good credit reporting features
- ✓Comprehensive app with great features
Cons
- ✗Lack of substantial travel perks
- ✗No introductory offer
- ✗Limited merchant discounts
Expert Analysis
AI Analysis
Citocred AI
The X1 Card is an attractive option for those seeking solid cashback rewards and a robust app experience, without foreign transaction fees. However, it lacks strong travel benefits and an introductory offer, making it
Full analysis
less ideal for frequent travelers.
Best for
Cashback enthusiasts, tech-savvy users
Avoid if
Frequent travelers
AI-generated analysis · Methodology by Harlon Drosghic
Cashback enthusiasts, tech-savvy users
Frequent travelers
Frequently Asked Questions
X1 Card
What cashback rate does the X1 Card offer?
Does the X1 Card include airport lounge access?
Does the X1 Card include travel insurance?
Who should get the X1 Card?
Is the X1 Card worth it?
The X1 Card provides a set of benefits designed to add genuine value to your financial routine:
Cashback
3%
Purchase Protection
Extended Warranty
Concierge
Contactless Payment
Virtual Card
International Acceptance
See 6 benefits not included in this card
- Points Program See which cards include this benefit →
- Miles Program See which cards include this benefit →
- Lounge Access See which cards include this benefit →
- Travel Insurance See which cards include this benefit →
- Apple Pay See which cards include this benefit →
- Google Pay See which cards include this benefit →
Features — Detalhes
Fees
Rewards
Premium
Digital
How We Rate Cards
Every card on Citocred is independently scored by our AI research team across six dimensions: fee value, rewards program, interest rates, digital experience, customer support quality, and overall value. Scores are derived from publicly available issuer data, cross-referenced and updated periodically.
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Founder of Citocred · MBA in Finance (PUC Minas) · Creator of the proprietary card scoring methodology · 5+ years in programmatic media and financial content marketing.