X Card（X Money）
Up to 3%
Cashback
No monthly or annual fee
Annual fee
KYC
KYC
Benefits
- Up to 3% cash back
- Balance up to 6.00% APY
- FDIC insurance up to $10M (via sweep network)
- No overseas transaction fees, ATM operator fees can be reimbursed
Supported services
△Apple Pay
△Google Pay
△WeChat Pay
△Alipay
△ChatGPT
△Claude
Things to know
- Only the United States, gradually open to some users
- 3% of non-subscribers need to meet deposit conditions
- No interest for New York residents
- There are many cashback exclusion categories
Fees & specifications
CashbackUp to 3%: Premium/Premium+ can be enjoyed directly; other users need to deposit ≥$1,000 within 34 days to enjoy the improved 3%; there are a large number of merchant categories excluded
Foreign exchange fees0
Staking requirementsNone
ATM withdrawalsCarrier fee reimbursement (non-subscribers 2 times a month, up to $4 each time)
Card formatPhysical card/virtual card
Settlement assetsU.S. dollars
AvailabilityUnited States
Sources & notes
Data credibility: medium; verification date 2026-10-09.