| Card Details and Application Link |
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X1 Card ![]() ⓘ $0 1st Yr Value EstimateClick to learn about first year value estimates No standard bonus Non-Affiliate This card is currently unavailable to new applicants.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: We no longer recommend this card now that it does not offer a path towards unlimited 3x rewards. Earning rate: X1 used to offer "Boosts" of additional point earnings for various categories of spend, for specific merchants, and for certain thresholds of spend. These have since been eliminated, but you can still redeem existing boosts. Base: 1.5% Card Info: Visa Signature issued by Coastal. This card has no foreign currency conversion fees. Noteworthy perks: Higher credit limit than most cards ✦ Virtual card numbers ✦ 90 day purchase protection against theft or damage ✦ Up to 1 year extended warranty ✦ $250 return protection ✦ Cell phone protection ($500 max, $50 deductible) ✦ Trip protection ✦ Car rental coverage |



I got this card because quite honestly I wanted to see if a metal card was anything special and the answer is nope. I kept it a year and rang up a fair number of points but I will be closing the account due to the lack of live customer service. I want to be able to go into a branch or at least chat with someone on the phone and X1 does not offer this. I had an issue where I discontinued use of the phone number associated with the card and it took more 4 days to get the new phone associated with the card (you need the phone number in order to install the app). Also you have to install the app on the device that matches the phone (so if you had iphone and android you would need two accounts?). Overall it doesnt seem to be worth the hassle, going to go back to Amex