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X1 · Visa

X1 Card

★★★★★ 4.5 Wafacard score
Issuer page Confirm current terms on the issuer website
Annual fee
$0
Rewards rate
See reward details
Intro offer
Intro value may include 10 points after qualifying activity. Confirm current spend rules and timing with the issuer.
Recommended credit
Good (670-719)
Fees and terms

Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.

Annual fee
No annual fee
Purchase APR
APR range: 29.99%
Balance transfer APR
APR range: 29.99%
Cash advance APR
APR range: 29.99%
Foreign transaction fee
Check issuer terms
Late payment fee
Up to $40
Grace period
21 days
Recommended credit
Good (670-719)
Terms last updated
6/22/2026
Key benefits
  • Cell phone protection may be available
  • Extended warranty coverage may be included
  • No yearly card fee
Rewards breakdown

Wafacard summary: this everyday credit card shows points earning from 10x depending on where the card is used. Confirm category definitions and caps with the issuer before applying.

Intro offer: Intro value may include 10 points after qualifying activity. Confirm current spend rules and timing with the issuer.

Card details

Wafacard note: key fit signals include cell phone protection may be available, extended warranty coverage may be included, no yearly card fee. Availability, exclusions, and enrollment rules can vary by issuer terms.

Issuer
X1
Network
Visa
Type
general
Review status
Terms reviewed 6/30/2026

Is X1 Card worth it?

The X1 Card is a no-annual-fee general card from X1, so you can keep it long term without paying to hold it. New cardholders may also qualify for a welcome offer: Intro value may include 10 points after qualifying activity. Confirm current spend rules and timing with the issuer. It is generally aimed at applicants with good (670-719) credit, with a purchase APR around APR range: 29.99%. Confirm current terms on X1's site before applying.

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