How does the X1 card work?
Visit the X1 website and “order” your card. There will be no hard pull to your credit until after you are approved. Upon approval, you can receive 2+ points on all spending, and refer up to three friends. Manage virtual cards and take advantage of a spectrum of insurance and protections on purchases.  Approval is based more on income than credit score, which is a novel feature for a personal credit card.