X1 Card

Nov 16, 2022

X1 Card

PI-360 Product Monitor Profile

Marketed as The Smartest Credit Card Ever Made, the X1 Card has a lot to offer. A slick titanium card is coupled with a compelling rewards program and one of the most innovative and streamlined digital experiences that we have witnessed. This is also one of the best examples of what happens when you give the cardholder the ability to personalize their rewards program on a daily basis. This degree of engagement (and positive gamification) allows Reward Seekers to get the most out of their card while ensuring active usage and good payment behavior. All of this on a No Annual Fee card.


Launched in October 2021, X1 Card is actively monitored by PI-360 with consumers providing structured product reviews on the overall value proposition and every feature/benefit actively promoted by X1.

Defining / Distinguishing Features
2X on every purchase, moves to 3X after $15K spent
Gamification with MCC Boosts for extra earning power
Shop at favorite merchants via X1 app & earn more rewards
Boosts for scheduling AutoPay
Real time rewards w/ seamless redemption
Create custom virtual cards, name them, set expiration, spend limits
Mystery 4X-10X reward for referrals

What we are sharing here just scratches the surface of the data and analytics that we have on this portfolio, and the entire market. If you would like to see what drives acquisition, satisfaction, and usage for any product in market (with insights for 70+ consumer segments), please do not hesitate to reach out.

Competitive Set

When analyzing the opportunity for smart rewards and enhanced digital experiences, consider product strategies employed by some of the established and emerging Fintech providers. Access 4M+ consumer evaluations of every competitive product strategy to uncover what works well with this product and what is missing to drive engagement with key target audiences.

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PI-360 is the only real-time innovation intelligence platform for the entire Payments market. Our data combines the deepest competitive insights on every core and fintech product with 4,000,000+ consumer evaluations of every payment feature and innovation in the U.S. market.


PI-360 interactive platform delivers these insights on-demand and in time for your next meeting.


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About The Futurist Group
The Futurist Group helps identify what’s next in payments, using modern technology, frictionless consumer engagement, and intelligent analytics to provide answers to the most important and forward-looking questions about the future of payments. Dedicated to the financial services space, The Futurist Group was founded by an experienced team of professionals from consumer intelligence, fintech, banking, analytics, and payments.


About PI-360
A proprietary Product Innovation Intelligence Platform that maps and analyzes the entire competitive landscape through the lens of ongoing and structured consumer reviews. Imagine knowing everything that you need to know about your competitors' products, emerging innovation, and consumer needs without waiting for research.

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