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Cross River Bank
X Money
X Money Visa

X Card

Issued by Cross River Bank

Reviewed by the CardCurator Editorial Team

$0
Annual Fee
1x
Base Rate
3x
Eligible Purchases
Track X Card Free View on Issuer Site
You’ll complete any application on the issuer’s website. CardCurator never receives your application or credit decision. Read or review us on Trustpilot

Decision check

Is X Card worth applying for?

Good fit if…

you can make 3x on Eligible Purchases part of your regular spending.

Skip it if…

you are looking for premium perks, lounge access, or more transfer-partner upside.

Annual fee: No annual fee.
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Application links open the issuer or partner application in a new tab. Confirm current terms and approval rules before submitting.

Earning Categories

Eligible Purchases
3x
All Other Purchases
1x

Card Perks

Worldwide ATM Fee Reimbursement
OTHER

ATM fees charged are reimbursed within three calendar days.

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Approval Insights

Recent community application data for this card. Issuers make the final decision, but this gives you a public read on how similar applicants have been doing lately.

Insufficient data
Reported approval rate
--
0 approved or denied datapoints
Median approved score
Building dataset
Exact score sample still small
Income / history band
N/A
History data still building
See Full Approval Data Create Account To Track

How to use this

  • Use the approval summary as a signal, not a guarantee.
  • Combine it with issuer rules like 5/24, Amex lifetime language, and velocity limits.
  • Open the full approval page to see recent datapoints, profile bands, and notes.
Why this is different

Most card pages stop at a generic credit-score range. CardCurator layers real community submissions on top of card detail, rewards value, and application strategy.

Frequently Asked Questions

What is the annual fee for the X Card?
The X Card has no annual fee.
What is the best category to use the X Card for?
The X Card earns 3x on Eligible Purchases, making it the strongest earning category for this card.
Does the X Card charge foreign transaction fees?
No, the X Card does not charge foreign transaction fees, making it a good choice for international purchases.
Still browsing by goal?

Use a category hub if you are not ready to apply for X Card

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