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COMPANY detail
X Card
ELON MUSK COOL X MONEY CARD
CARD FEATURE OVERVIEW.
CARD NAME
X CARD
ADD TO WATCHLIST
REMOVE FROM WATCHLIST
W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
UP TO 3%
NEED KYC
YES
FX FEE
0%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$500
DAILY LIMIT
DYNAMIC
GET THE CARD
X CARD
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | UP TO 3% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $500 |
| DAILY LIMIT | DYNAMIC |
Last Updated: Nov 4, 2026
CASHBACK
Cashback may change, be available for a limited time, have limits, or even be awarded in points or other forms. For precise details, always check the card’s website.
REGIONAL AVAILABILITY
CLICK TO VIEW MAP
Available
Restricted
Not Specified
Instant withdrawals: 1.75% of the transaction amount (minimum fee of $0.25).
ATM withdrawals: Any fees charged are fully reimbursed within 3 calendar days.
Metal card replacement: First replacement free, $35 fee per replacement thereafter.
- Outbound domestic wires: Premium receives two free wires per year, $20 fee per wire thereafter. Premium+ receives unlimited free wires.
THE REAL STORY ON THIS CARD.
PROS
[ STRENGTHS ]
- Free virtual Visa debit card
- Up to 3% cashback on eligible purchases
- 4% base APY; up to 6% with eligibility
- No additional foreign-transaction fees
- Apple Pay and Google Pay support
- US bank account with ACH and wire transfers
- ATM operator-fee reimbursements
- Customizable daily card purchase limits
- FDIC coverage through bank and sweep programme
- No monthly or inactivity fees
CONS
[ LIMITATIONS ]
- Available only to selected US residents
- No cryptocurrency or blockchain functionality
- Cashback excludes multiple merchant categories
- 6% APY unavailable to New York residents
- $15 metal card fee without eligible subscription
- ATM reimbursement limited for free users
- Instant external withdrawals cost 1.75%, minimum $0.25
- Domestic wire fees apply to some users
- Interest and cashback depend on eligibility
GENERAL QUESTIONS.
It’s a premium all-black metal Visa debit card personalized with your X @username, plus an instant virtual card. You spend directly from your X Money balance anywhere Visa is accepted. The goal is to make X an “everything app” where you can chat, post, and handle money in one place.
Limited external beta only (as of March 2026). Started with ~42 early users via William Shatner’s charity initiative.
Slowly expanding to select U.S. users.
Most people still don’t have access.
How to check: Open the X app → look for the new Money or Payments tab. If you’re selected, you’ll see options to verify your identity and “Get my debit card.”
Requirements: 18+, U.S. resident, standard ID verification (no X Premium required).
Full public launch expected later in 2026 (U.S. first, then global).
Your deposits are held by partner bank Cross River Bank (X Payments LLC is not a bank itself).
FDIC-insured up to $250,000 per person.
Plus Visa Zero Liability protection for unauthorized charges.
No foreign transaction fees (confirmed in beta).
No monthly or account fees reported so far.
P2P transfers and basic features are expected to be free or very low-cost.
Exact ATM/overdraft details not fully public yet (still early beta).
International: Yes — Visa network works worldwide, and zero FX fees make it great for travel.
Crypto: Not yet (beta is USD only). Elon has teased future support for Dogecoin and other crypto, but nothing is live.
No public application form exists. Invites are rolling out in waves
just keep the X app updated and check the Money tab regularly. More people will get access soon.
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