Question 1

How much are X Money cash back worth?

Accepted Answer

X Money cash back vary in value depending on how you redeem them. Transferring to airline or hotel partners for premium cabin awards typically yields the highest value, while cash-back redemptions offer the lowest.

Question 2

How do I earn X Money cash back?

Accepted Answer

You can earn X Money cash back by spending on co-branded credit cards like the X Card. As a transferable currency, you can also earn cash back through spending on the issuing bank's cards across all categories, then transfer to partner programs.

Question 3

What can I transfer X Money cash back to?

Accepted Answer

Transfer partner availability varies. Check the program's website for current transfer partners and ratios.

Question 4

What is the best way to redeem X Money cash back?

Accepted Answer

The highest value from X Money cash back typically comes from transferring to airline partners for business or first class awards, where you can achieve 2–3¢ or more per cash back. Avoid redeeming for cash back or gift cards, which typically yield just 1¢ per cash back or less.

X Money

Understand how X Money fits your rewards plan.

Cards in This Program