X1 Card, the Smartest Credit Card Ever Made, Opens Waitlist

X1 Card, the Smartest Credit Card Ever Made, Opens Waitlist

Reimagined for a new generation, the X1 Card offers smart technology, an unparalleled rewards program, higher limits, lower interest rates and no annual fees

X1 Card, the smartest credit card ever made, opened its waitlist for signups today. Built with 17g of stainless steel and laser etching technology, X1 Card reimagines the credit card from the ground up. It harnesses the power of technology to offer smart credit limits, an unparalleled rewards program, and automated features that will transform the way you shop and spend.

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Smart features for better shopping

X1 Card uses proprietary smart technology that lets cardholders cancel subscription payments in one click, end free trials automatically with auto-expiring virtual credit cards, get instant notifications on refunds, attach receipts to purchases, and create virtual cards for one-time use. Cardholders will also be able to shop anonymously without disclosing their personal information.

An unparalleled rewards program for all your spend

The X1 Card gives points for every single purchase. The reward structure coupled with no annual fees is unmatched in the industry:

  • 2X points on every $1 spent
  • 3X points on every $1 spent for the year if you spend $15K+ on the card in that year
  • 4X points on every $1 spent for a month for every friend you refer. If you bring in 10 friends, for example, you’ll get 4X points on every single purchase for 10 months.

X1 Card is partnered with Visa Signature, allowing cardholders to use it at more than 46 million merchants around the world. Points can be redeemed at top brands including Apple, Airbnb, Asos, Casper, Crate & Barrel, Glossier, Nike, Patagonia, Peloton, REI, Sephora, Supreme, Wayfair and more.

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Higher limits, lower interest rates, and no annual fees

By looking at current and future income instead of credit score, the X1 Card can responsibly set smart credit limits up to 5 times higher than traditional credit cards. The higher limit also gives cardholders the opportunity to have a lower utilization rate, allowing them to increase their credit score faster.

X1 Card has no annual fee, offers the lowest interest rates of any card in its class and charges no late fees or foreign transaction fees. Its APRs range from 12.9 – 19.9%, and it has a balance transfer fee of 2%, the lowest in its category.

A new look for a new generation

The X1 Card is made with 17 grams of sleek, stainless steel, giving it a modern look.

“With X1 Card, we set out to modernize the credit card for a new generation of cardholders,” said co-founder & CEO, Deepak Rao. “X1 Card doesn’t rely on the archaic credit score system to set limits and rates, its rewards program is the most generous offer on the market, and its built-in smart technology makes it easier to shop, save and spend with friends. Crafted with sleek stainless steel, the X1 Card creates a magical experience that feels both simpler and smarter than any other credit card on the market.”

X1 Card is backed by PayPal co-founder Max Levchin and founding COO David Sacks, Harrison Metal founder Michael Dearing, former Twitter COO Adam Bain, Libra co-creator & Instagram’s former head of product Kevin Weil, and more.

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