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X1 Credit Card Review 2022: Metal Card No Credit Check?

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Quick take: The X1 credit card is a unique offering in that credit scores do not play a major role in approval, credit limits are often significantly above average, and the card itself comes in the form sleek stainless steel, not plastic. Points are also easy to accumulate on this rewards card. Cardholders receive two points for every dollar on every purchase throughout the year, three points for every dollar spent when they spend $15,000 or more per year, and four points for every dollar spent for an entire month. recommend a friend.

  • Accessibility
  • Credit limit
  • Earn and redeem rewards
  • Fees and interest

How did we calculate this?


  • Significant credit limit
  • Earn loyalty points quickly
  • $0 annual fee
  • Reasonable interest
  • No foreign transaction fees
  • Virtual credit cards
  • Improve credit score
  • Easily cancel subscription payments
  • Anonymous expenses

The inconvenients

  • No cashback
  • High credit limit

Introducing the X1 Credit Card

The X1 is a pure 17 gram card stainless steel and filled with unique benefits. Unlike the average credit card, the X1 approval process does not consider credit scores. The lender is only interested in the income of the borrower.

Another main attraction of the card is the high credit limit combined with a competitive interest rate. The company’s website suggests that the average credit limit is $24,300, with interest rates ranging from 16.50% to 27.00% varying. APR.

The rewards card does not limit the amount of rewards cardholders can earn in a year. Instead, the X1 credit card increases the rewards rate per dollar when cardholders spend $15,000 per year or more.

The X1 card was developed with cardholder protection in mind. Cardholders can create temporary virtual credit cards to make anonymous purchases and automatically cancel free trials.

Who is the X1 credit card for?

The X1 credit card is best for consumers who have a high income and seek access to a high revolving credit limit. Due to the high credit limits offered, the best candidate would display a high level of self-control and a great ability to manage debts.

Key Features of Credit Card X1

The most impressive features of the X1 credit card include:


Most credit cards that do not rely on credit for approval are guaranteed by a surety made by the cardholder. The X1 card offers an unsecured line of credit regardless of the applicant’s credit score, making it one of the few options for people with poor credit to access unsecured funds.

There is a point of contention in terms of map accessibility. Approval is based primarily on the applicant’s income, with higher income levels correlating to higher chances of approval. There is a moderate correlation between high income and high income. credit scoresso some consumers who find it difficult to access unsecured credit will also find it difficult to access an X1 credit card.

Credit limit

The X1 website suggests credit limits are up to five times the industry average, with the average X1 credit limit being $24,300. The limit granted to cardholders is based on current and future income and will be increase automatically as the lender sees fit.

Although access to a higher credit limit is generally considered a plus, those who take advantage of this credit card should consider carefully how much of the inordinate credit limit they receive they are willing to draw on.

Earn and redeem rewards

Earning rewards is a snap with the X1 Card, and there’s no limit to how much cardholders can earn in a year. Earned points also have no expiration date. The rewards program offers two points for every dollar spent on all purchases. Cardholders who spend $15,000 per year will earn three points per dollar spent. When cardholders refer a friend who is approved, they earn four points for every dollar spent for an entire month.

X1 Reward Points can be redeemed through a large and growing list of over 100 retailers in travel, technology, fitness and retail. Each point redeemed is worth at least a penny and could be worth more depending on the retailer at which the cardholder chooses to redeem the points. Cardholders can also choose to receive cash back statement credit, but the maximum value of rewards may decrease by doing so.

Fees and interest

The X1 credit card comes with competitive fees. See the table below outlining the fee structure on the card:

Costs Cost
Annual percentage rate 16.50% – 27.00% variable APR
Annual fees $0
Foreign transaction fees $0
Balance Transfer Fee 2% of transfer amount
Cash advance fees 2% of the advance amount
Overlimit Fee $0
Late payment fees $0
Returned Payment Fee $10
Replacement card $25

Other Benefits and Features of the X1 Credit Card

Cardholders will also enjoy these unique benefits and features of the X1 Credit Card.

Virtual credit cards

Cardholders can create virtual credit cards that automatically expire on a date of their choice. This makes it easy to cancel free trials by simply setting the virtual card to expire the day before the free trial becomes a paid subscription. Virtual cards also allow X1 cardholders to buy online anonymously without disclosing any personal information.

metal credit card

While most credit cards are plastic and will degrade over time with frequent use, the X1 Credit Card is stainless steel and built to last. Even if cardholders swipe their cards enough to cause friction fires, the metal payment method will continue to work reliably.

Comparable cards to consider

Some of the best X1 credit card alternatives include:

Apple Card

Integrated directly into Pay Apple, the Apple Card can be managed from the holder’s iPhone and offers a high level of security. One of the main attractions of the card is the fact that cardholders pay no fees other than interest. This means there are no annual fees, foreign transaction fees, or $0 late payment fees.

Like credit card X1, ask for the Apple Card will have no impact on the applicant’s credit, although once approved their activity will be reported to all three major credit bureaus. Plus, cardholders earn up to 3% cash back on purchases on an unlimited basis.

petal card

The petal card gives cardholders the ability to establish and manage credit, and applicants’ credit scores are not considered for approval. When applying for a card, Petal does not only consider the applicant’s credit score. The company uses bank history to create an instant cash score that can help applicants get approved for a better deal.

Once they become members, cardholders have access to the Petal app, where they can track and manage their credit scores, as well as all of their financial accounts in one place.

Final take

The X1 credit card is an attractive option for high-income earners with a strong sense of self-control and a strong debt management skills.

X1 Credit Card FAQ

Here are the answers to some of the most frequently asked questions about the X1 credit card.
  • Is the X1 credit card pulling hard?
    • Yes, but not when you apply. However, accepting the X1 credit card once your application has been approved will result in a pull hard on your credit.
  • How does the X1 credit card work?
    • The X1 Card is a rewards-based credit card, which means cardholders will earn rewards based on their purchase activity.
  • Does the X1 credit card affect credit score?
    • The X1 credit card reports activity to the three major credit bureaus. Since Credit Card X1 does not use credit scores in its approval determination, this will not affect the credit scores of those who are declined. Those who are approved for the card and who accept it will experience a lot of pressure on their credit, which can slightly affect their credit score.
  • Who is behind the X1 card?
    • The X1 card was founded by Twitter executives Deepak Rao and Siddharth Batra. He also benefits from the support of Max Levchin, David Sacks and Michael Dearing: respectively co-founder of PayPal, founding COO of PayPal and founder of Harrison Metal.
  • What income do you need for the X1 card?
    • The X1 credit card website explains that income is considered for the approval process, but does not specify the amount of income that applicants must be approved for. However, the higher the applicant’s income, the better the chances of approval.
  • Is X1 a charge card or a credit card?
    • The X1 card is a credit card, which means users will be able to carry over balances from month to month, rather than having to pay off the card in full each month.
  • How to redeem X1 points?
    • Cardholders can redeem their X1 Points by clicking on the “Rewards” tab of the X1 mobile app. On the Rewards page, users can choose from a growing list of rewards partners that accept X1 Points as payment.

Cynthia Measom contributed to the reporting of this article.

Editorial note: This content is not provided by any entity covered by this article. Any opinions, analyses, criticisms, evaluations, or recommendations expressed in this article are those of the author alone and have not been reviewed, endorsed, or otherwise endorsed by any entity named in this article.

Rates are subject to change; unless otherwise specified, prices are updated periodically. All other account information is accurate as of November 2, 2022.

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