We designed X to give you more value on the go, which is why we've made buying and selling foreign currencies as simple as clicking a few buttons on your mobile. Enjoy the convenience and discounts X puts at your fingertips.
X comes equipped with many ways you can spend. Besides your personalized physical card, you also have the choice of using virtual cards for safe online shopping, and the ability to load your digital card on Apple Pay, Samsung Pay and Google Pay wallets for added security and convenience.
If you already have a Visa or Mastercard, you can load your X Account with one those existing cards anytime; and if those cards already give you loyalty points for the load transactions to your X wallet, you will earn those loyalty points and also the XPoints we will give you on your X purchases at home and abroad anywhere Mastercard cards are accepted.
We work with various partners to offer more value to all X users. If you would like to learn more about working with us, simply drop us an email anytime.
Drop us a note if you'd like to reach out to us. We can't wait to hear from you.
X isn't a credit card, so there's no credit check. Everyone who is at least 18 years-old and is a US citizen or a US permanent resident can register.
You can earn 1 X point for every $1 you spend in the US and 2 X points for every $1 USD equivalent you spend abroad on everyday purchases, travel, and entertainment. You can redeem your points when you shop with X in these categories.
There are no monthly fees or exchange fees with X. You even get the card for free when you load at least $25. To access the complete fees list, click here.