X Money vs. flat-rate cash-back cards
How X Money's X Card stacks up against the 1.5%, 2% and 3% flat-rate cards it's competing with. Every number links to the issuer's own page.
| Card / account | Rate | Annual fee | Key caveats | Source |
|---|---|---|---|---|
| X Money (X Card debit) Debit card + 4%/6% APY account | 1% base / up to 3% | $0 account fee; X subscription optional | 27 excluded MCCs + no-MCC; 1% unless paid plan or $1k+ DD every 34 days; "may be capped" | X terms |
| Robinhood Gold Card Credit card (Visa) | 3% on all categories | $0 Annual Robinhood Gold subscription, $50/yr (no 30-day free trial for cardholders) | Requires active annual Robinhood Gold ($50/yr); cancelling Gold closes the card; 'Exclusions may apply' (we did not verify the excluded categories); Cash back is redeemed to a Robinhood brokerage account; Credit approval required | Issuer page checked 2026-10-18 |
| Citi Double Cash Card Credit card (Mastercard) | 2% (1% when you buy + 1% as you pay) | $0 | Second 1% earned only as you pay the balance; Earned as ThankYou Points; Extra 3% on hotels/car rentals/attractions booked via Citi Travel (not modeled); Foreign purchase fee applies | Issuer page checked 2026-10-18 |
| Wells Fargo Active Cash Card Credit card (Visa Signature) | Unlimited 2% cash rewards | $0 | Welcome offer: $100 after $500 in purchases in first 3 months (not modeled); 3% foreign transaction fee | Issuer page checked 2026-10-18 |
| Fidelity Rewards Visa Signature Credit card (Visa Signature) | Unlimited 2% when deposited to an eligible Fidelity account | $0 Eligible Fidelity account to get the 2% value | 2% only when points are redeemed into an eligible Fidelity account; other redemptions are worth less; No foreign transaction fee | Issuer page checked 2026-10-18 |
| SoFi Unlimited 2% Credit Card Credit card | 2 points per $1 (2% when redeemed into SoFi accounts at 1 cent/point) | Not verified Redeem into SoFi accounts for the 1 cent/point value | 2% assumes redeeming points into SoFi accounts or SoFi Travel at 1 cent/point; Annual fee not verified from the issuer page we fetched | Issuer page checked 2026-10-18 |
| PayPal Cashback Mastercard Credit card (Mastercard) | 3% at PayPal checkout, 1.5% everywhere else | $0 | 3% only when you check out with PayPal and choose this card; 1.5% on all other purchases | Issuer page checked 2026-10-18 |
| Apple Card Credit card (Mastercard) | 2% with Apple Pay, 1% with the physical card, 3% at Apple | $0 | Calculator assumes every purchase is made with Apple Pay (2%); physical card or card number earns 1%; 3% at Apple and select merchants; 'No fees' per Apple | Issuer page checked 2026-10-18 |
| Capital One Quicksilver Credit card | Unlimited 1.5% cash back | $0 | $200 bonus after $500 in 3 months (not modeled); 5% on Capital One Travel/Entertainment bookings (not modeled); Excellent credit; QuicksilverOne version has a $39 fee | Issuer page checked 2026-10-18 |
X Money's X Card is a debit card; the rivals listed are credit cards (credit approval required). Rates checked 2026-10-18.
X Money's full current terms
| Term | Current value | Source |
|---|---|---|
| Cash back (X Card debit purchases) | Up to 3% for any paid plan on The X Subscription or legacy X Premium/Premium+; 1% for everyone else, boosted to up to 3% with $1,000+ in Qualifying Deposits within a trailing 34 days | Source 2026-10-18 |
| Qualifying Deposit definition | (i) ACH direct deposit with SEC code PPD, or (ii) an X Creator payout from Original Content Rewards, Creator Revenue Sharing or Creator Subscriptions; $1,000+ total within a trailing 34-day period | Source 2026-10-18 |
| APY (Stored Value Account) | 4.00% APY (3.92% interest rate) standard for Free/Plus on The X Subscription and Basic/Premium/no subscription on legacy X Premium; 6.00% APY (5.83%) boosted with Qualifying Deposits; 6.00% APY for Premium, Super, Ultra (The X Subscription) and legacy Premium+. Effective 10/12/2026; variable, may change at any time | Source 2026-10-18 |
| New York residents | No APY, interest or interest boosts. Existing NY accounts that were earning interest went to 0.00% effective October 1, 2026. NY residents may instead earn a $300 bonus for $3,000 of qualifying deposits within 90 days. | Source 2026-10-18 |
| Eligibility / premium requirement | Official FAQ: 'Money is currently rolling out to U.S. residents.' A paid X subscription is no longer required to open an account (earlier FAQ required X Premium or Premium+). Subscription tier still changes the cash-back rate, APY, ATM, wire and metal card perks. | Source 2026-10-18 |
| Cash-back exclusions (Excluded MCCs) | 27 MCCs plus transactions with no MCC: 4829, 4900, 5094, 5300, 5816, 5944, 5972, 6010, 6011, 6012, 6051, 6211, 6300, 6513, 6532, 6540, 7800, 7801, 7802, 7994, 7995, 8220, 9222, 9311, 9399, 9402, 9406, No MCC | Source 2026-10-18 |
| Fees | Instant withdrawal 1.75% (min $0.25). Standard ACH withdrawal free. No inactivity fee. No foreign transaction fee charged by X Money (FX conversion rates apply). ATM operator fees: unlimited reimbursement for paid-plan / legacy Premium subscribers; others up to $4 per transaction, 2 transactions per month. Metal card $25 (waived for paid plans); replacement $35 (paid plans get one free). Outbound domestic wire $20 (Plus/legacy Premium: 2 free per year; Premium/Super/Ultra/legacy Premium+: unlimited free). | Source 2026-10-18 |
| Sign-up bonus | Reported by Doctor of Credit as $25 on signup (some reports of $15). Not found on any official X Money page; the official page only lists the NY-only $300 direct deposit bonus. unverified | Source 2026-10-18 |
| X subscription prices (context) | Legacy Premium $8/month or $84/year; Premium+ $40/month or $395/year (as reported at launch). Current prices for The X Subscription plans (Plus, Premium, Super, Ultra) were not verified. partial | Source 2026-10-18 |