How to Apply for X1 Credit Card? Customer Service and Benefits

How to Apply for X1 Credit Card?

The X1 Card is a metal credit card that offers up to 3X points per dollar spent, no annual fee, and unparalleled benefits and rewards on every purchase. The card also uses your current and future income, rather than your credit history, to determine your credit limit. You can apply for the X1 Card online and see if you’re approved with no impact to your credit score.

To apply for the X1 Card, you need to have a minimum credit score of 680 and provide your name, birthday, email, phone number, and annual income. You also need to verify your income by logging into your bank account via Plaid, a secure financial data connection service. X1 Card will run a soft credit check to see if you pre-qualify for the card, and a hard credit check after you are approved.

To apply for the X1 Credit Card, follow these steps:

1. Visit the X1 Credit Card application page.
2. Enter your first name, last name, and date of birth.
3. Click "CONTINUE" to proceed with the application.
4. Acknowledge the Privacy Notice and agree to receive Electronic Disclosures.
5. Provide your email ID and phone number as prompted.
6. Complete any additional required information to finalize your application.

How to Login X1 Credit Card?

The X1 Card stands out with distinctive features. Unlike many other cards, it doesn't solely depend on your credit score for assessing creditworthiness or determining your credit limit. Instead, it considers both your current income and potential future income, potentially leading to a credit limit up to five times higher than that of a conventional credit card. To log in to your X1 Credit Card account, follow these steps:

1. Visit the X1 website or use the mobile app.
2. Enter the email and password associated with your account during the registration process.
3. After logging in, you can access and manage various account details, including transactions, rewards, and balance information.

What is the Required Credit Score for the X1 Credit Card?

The X1 Card does not specify a minimum credit score requirement in its terms and conditions. However, it is advisable to apply with a credit score of 670 or higher, along with a clean credit history and minimal hard credit inquiries in the past 24 months.

While there is no disclosed income requirement, the applicant's ability to afford the new line of credit will be considered. It's important to note that the X1 Card is designed for applicants with excellent credit, and factors such as credit history and existing debts will also be taken into account.

What are the Benefits of X1 Credit Card?

The X1 Credit Card offers benefits including standard 2X points on purchases, 3X monthly spending bonuses, and the opportunity for 4X points on select travel brands for X1+ cardholders. Additionally, cardholders enjoy an unrivaled experience with virtual card features, immediate point rewards, and a flexible dispute process. The metal card comes with a spending limit based on current and future income.

Other Benefits of X1 Credit Card

• Start spending before your metal card arrives.
• Your limit is based on current and future income.
• Manage standard, free trial, and single-use cards. 
• Virtual cards for added security. 
• Quick search for transactions. 
• Immediate purchase notifications. 
• Points awarded instantly. 
• Easy dispute process for incorrect charges. 
• Lost your card? Get a new one in the app

What are the Pros and Cons of the X1 Credit Card?

The X1 Credit Card offers a competitive rewards structure, allowing cardholders to earn two points for every dollar spent on all purchases, providing a consistent and straightforward way to accumulate points. Unlike some other credit cards, the X1 Credit Card does not offer a welcome bonus or introductory APR (Annual Percentage Rate) promotions. This might be a drawback for individuals seeking initial incentives or reduced interest rates.

Pros of the X1 Credit Card

• Earn 2 points per dollar on all purchases: 
• Earn 3 points per dollar on the next $7,500 in monthly purchases: Beyond the standard earning rate, the card provides an elevated rewards rate of three points per dollar for the next $7,500 in monthly purchases after reaching a spending threshold of $1,000 in a given month. This tiered structure incentivizes higher spending.

Cons of the X1 Credit Card

• No welcome bonus or introductory APR offers
• Limited rewards redemptions to X1 partners

How to Contact Customer Service for the X1 Credit Card?

X1 is a financial technology company, not a bank, and the X1 Card is issued by Coastal Community Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. To contact customer service for the X1 Credit Card, you can use the following email addresses:

Press Inquiries

• Send an email to [email protected] for any press-related questions.

Partnerships

• For partnership inquiries, you can reach out to [email protected].

General Inquiries

• For all other inquiries, including customer service matters, contact [email protected].

What is the Credit Limit for the X1 Credit Card?

The starting credit limit for the X1 Credit Card can range from $9,500 to $43,500, with an average credit limit of $24,300. The actual credit limit depends on each applicant's creditworthiness, with higher income and better credit scores typically resulting in higher starting credit limits.

To request a credit limit increase, cardholders can contact customer service at (650) 514-5504 or send an email to [email protected]. However, it's advisable not to request increases more than once a year, and the issuer may also evaluate accounts periodically for unsolicited credit line increases based on timely payments and low credit utilization.