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New X1+ Announced, $75 Annual Fee Card with Lounge Access

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New X1+ Announced

New X1+ Announced, $75 Annual Fee Card with Lounge Access

The company behind the X1 card has announced a new credit card which promises more benefits for travelers and better earning. The card is called X1+ and comes with a $75 annual  fee.

The new smart card will build upon the X1 Card. Like the original X1 Card, X1+ will harness the power of technology to offer smart credit limits and disposable virtual cards that keep your details private and let you take control of your subscriptions. The waitlist is now open.

Signup Bonus

  • Join the waitlist now through a referral link and you will earn 4X, 5X or even 10X Points on all your spending for up to 30 days. This seems to be random, with the best option being 10X for a month.
  • Annual Fee: $75
  • JOIN NOW (referral link)


Cardholders automatically earn 4X points on Expedia, and VRBO while continuing to benefit from X1 Card’s rewards program, which includes:

  • 2X points on every purchase regardless of category
  • 3X points every time you spend $1,000 in a month
  • 4X, 5X and even 10X points for every referral who gets a card
  • Up to 10X points at leading online stores such as Apple, Nike and Sephora when cardholders shop in the X1 App

Your Points may be converted and applied as a general statement credit that is not limited to purchases from Rewards Partners. You can also can redeem points at additional merchants including hotels such as Four Seasons, Intercontinental and Westin and airlines such as Emirates, Hawaiian Airlines and JSX.


  • Worldwide Lounge Access for Flight Delays: X1+ will be the first U.S. Visa credit card to offer complimentary lounge passes worldwide for members and up to 4 additional passengers if a flight is delayed by one hour or more.
  • On-Demand Lounge Access: X1+ will be the only credit card to enable on-demand lounge pass purchases, so cardholders can access more than 1,000 Priority Lounges.
  • Smart Baggage Protection and Enhanced Coverage: If baggage is delayed, cardholders get $100 per day in protection for 3 days. If baggage is lost, cardholders get $3,000 in protection per trip. Trip cancellation coverage is up to $5,000 per person per trip, and the card acts as the primary insurance for domestic and international car rentals. The card also comes with enhanced purchase protection at $10,000/occurrence, including Porch Piracy, with a limit of $50,000 per cardholder.


Built with 17g of stainless steel and laser etching technology, X1+ will come in the classic silver option along with gold and rose gold options exclusive to X1+. Cardholders can choose a metal card with no visible card number or secure information on it. Whether home or abroad, your private information will remain secure if the card is lost.


We don’t have all the details about the card yet, especially when it comes to lounge access. It will be interesting to see how that benefits works and what lounges are included.

You can join the waitlist for now and then decide later if you want to apply. It might take a while until the card becomes available.

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Based in NYC. Points/miles enthusiast for years and actively writing about it for the last 6+ years at Danny the Deal Guru. I'm always looking out for deals. Making a few bucks is always nice, but the traveling is by far the best part of this business.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  1. In addition, X1 reserves the right to temporarily suspend your ability to earn or use Points, take away any Points in your account, cancel your Points account or cancel your X1 Card altogether if X1 determines in its sole judgment that you engaged in abuse, misuse or gaming in connection with earning or using points or that you may attempt to do so, including, but not limited to:

    by buying or selling points,
    by selling, or participating in the sale or exchange of, gift cards, travel or other items of value obtained through use of points,
    by repeatedly opening or otherwise maintaining credit card accounts for the purpose of generating rewards
    by manufacturing spend for the purpose of generating rewards, or
    by using the card for business-type transactions rather than personal transactions.

    • Let me give some warnings of this company. I see the comments from Dracula. In those bullet points it says 3X when you spend $1000.00. That doesn’t mean much with X1 as they probably cap how many points per month or how many at 3X. I have the X1 card and use it for my own expenses. No MS, gift cards, NOTHING. They stated how the program worked and said you need to spend 15K to get 3X. Then with virtually no notice, they capped it to $7500/M spend. I would not be surprised if they make more changes. Now keep in mind they are very tough on underwriting from what I hear. I got the X1 with no issu but tons of people on a X1 fans FB group and lots of turn downs. Now some of those peope dont have the credit scores they state or whatever. But I can say they are going to check your bank account and want to see paychecks deposited. If not, no approval. All statements emailed. No downloads whatsoever except a pdf. Cant link it to mint or any other software. The on demand trial credit cards and one time cards from the app is very convenient. Ill keep the card forever (no fee on regular card) for that benefit alone. I would not be surprised if they try to twist my arm to change to this product. Be careful and spend the points ASAP with the main tier vendors that you get the full 1-1 point value. If you pick another vendor not on the main list you get .70 approx. Lots of small print. And when they make a program change you get an email that has you click to the website to read the fine print. Why not put that information directly in the email?

  2. Thie X1 card is simply not worth it. Given the cap on 3X, the card is essentially a 2X card plus the potential of 7500 additional points per month. If redeemed at partners, you get 1 cent per point. If redeemed elsewhere, you get 0.7 cent per point. Unimpressive. The bonus offers are somehow better than Amex or Chase or Citi offers how?

    Then, there’s even getting the card. As a business owner, I don’t have a regular W-2 paycheck. Irrespective of substantially monthly income shown on bank statements, that wasn’t good enough and X1 offers NO reconsideration.

    The Citi Double Case combined with the Rewards+ and you’re ahead of the game. Then, Bilt offers a superior card. Potential of 10k addition points per month. And, transferable points. And, 1.25 cents per point of partner redemptions. 1 cent per point elsewhere.

    • Lee I own a business but have W2 income and direct deposits. Their underwriting bank requires that. But I have the Paceline credit card that gets me 3% cash back on everything +5% grocery and fitness. Its tied to the apple watch which they have a free program for. You do 150 mins a week in walking etc and you get the 3X/5X and its pretty easy to do. I am very active but others could get most of it just from everyday walking with the watch. Paceline for me way better than Double Cash, although I have Doubecash in case they dont survive.

      • robertw, absolutely. I used the Citi Double Cash as a familiar example for readers. Paceline is great if one is an iPhone user. For pure cash back, here’s a less known alternative duo:
        – Credit One Wander, 5X on all travel and dining, no foreign transaction fees
        – Greenlight Family Cash Card, 3X on everything, no foreign transaction fees
        Combined annual fees are about $150.


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