X1 Card 4+

This card is the absolute package. This is what the Apple Card should of been. The application process was easiest and fastest credit card application process. My bank wouldn’t link to the app so I have to email copies of bank statement and i thought i would have to wait a week - nope! Less then 24 later i got an email for approval, just had to confirm my address for the card and done. The app is a little getting use to but it’s designed around the digital world. THERE IS NO website access or iPad access. It is STRICTLY iPhone app access. My favorite is the brand partnership, i use about 90% of the companies for the points to earn and if i shop somewhere that isn’t you can boost your purchases for limited time. Once you figure it and use the card right, you can earn A LOT of points. This will DEFINITELY compete with my AMEX. Be carful and monitor your spending, don’t get out of control. My limit is more than 10K… They will approve you for thousands, they do they to help utilization. Look it up!

Love it so far. The rewards are pretty basic. The metal card and marketing around that is gimmicky, but the virtual and one-time cards feature is a game changer. I know a couple of other providers like Cap One let you know virtual cards, but no one makes it this easy. I have slowly moved all of subscriptions to X1. One subscription per virtual card. That way I can keep track/cancel as I need. Game-changer. The one-time use card is also fantastic for shady websites. I think Apple Card has a similar feature where you “refresh” card numbers each time, but that’s much more finicky to use. I prefer this design. Overall, very happy with this. Didn’t even cost me a hard pull, highly recommend.

I had been in the waiting list for months and was overly excited when my invitation arrived. I went through the application process and was most excited about the no hard pull of your credit. I was a little skeptical about giving access to my bank account but thought since there was no hard pull I would make an exception. So to my shock when I’m the next day I get an alert from Experian saying X1 had pulled my credit! This is exactly what o didn’t want, another credit card inquiry on my credit report. To say I was heated is an understatement. I went online and found reviews of people saying this had happened to them and they also read and were under the impression that this card was only a soft pull. I wish they would be more transparent and say that they also pull you credit after you are approved. I still would have applied but probably would have waited until another time when I hadn’t just had my credit pulled for something else…