Is a credit check necessary to get The X World Wallet?

X isn’t a credit card, so there’s no credit check. Everyone who is at least 18 years-old and is a US citizen or a US permanent resident can register.

How many points do I earn with The X World Wallet?

You earn 1 X point for every $1 you spend in the US, and 1 X point for every $1 USD equivalent you spend abroad.  Additionally, you earn the following X points on select transactions:


3X Points on Dining & Entertainment Purchases.

3X Points on Charitable Contributions.

2X Points on Airlines & Hotel Purchases.

2X Points on Amazon & Apple Purchases.

2X Points on Select ECommerce Rideshare & Delivery Services.

(Uber, Uber Eats, Lyft, Grubhub, DoorDash)

2X Points on Online Select Subscription Services.

(Netflix, HBO Max, Hulu, Disney+, Spotify, Discovery+, AT&T, T-Mobile, Verizon, Spectrum, Direct TV)

1X Point on each $1 equivalent FX conversion.

Once earned, you may redeem your X points anytime, each time you reach 5,000 points earned, by easily converting them for value into any of the supported currencies on your X World Wallet.

Can I really book airfare & hotel stays with The X World Wallet App?hotel with X?

Yes, we have integrated a bookings service  into the web & app account management portal so you can buy airline tickets and book hotel reservations directly from your X World Wallet account; and we made it easy to earn additional X points when booking hotels and paying with your X World Wallet!

What type of fees are associated when using The X World Wallet?

There are no interest charges,  monthly or annual fees.  We also don’t charge a currency conversion fee, and you get the card for free when you load at least $25 once you’ve registered for your account. To access the complete list of fees, click here.

How do I add money to my X World Wallet Account?

Load your account anytime by making a bank transfer from your existing bank website or app. Simply go to the “Load” section of the X app and choose “Bank Transfer”. Bank Transfers are free and usually take up to two business days for the funds to be available in your X account once we receive the funds.  For faster availability of funds choose our “same day” bank transfer option where you are able to link your bank account fast and easily using our integration with Plaid.

Be mindful of “Wire Transfers” as opposed to “Bank Transfers”. If you attempt a Wire Transfer, you’ll receive an error indicating the routing number is not valid. The routing number is only valid for Bank Transfers. If you have any questions reach out to us anytime at support@xworldwallet.com.

Need more help?

Drop us a note if you’d like to reach out to us.

We can’t wait to hear from you.

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