United States. The official description is that it is open to US users, and from October 2026 free accounts can use it too.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- The official description is that the account has no monthly or account-management fee; card cashback varies by account tier. The specific rates go by the current terms on the official product page.
- Debit / Deduction Model
- Debit card: spending is deducted from the X Money account's dollar balance, with a partner bank providing deposit and payment infrastructure; the account separately pays interest on balances
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Opening an account officially requires identity verification and the partner bank's account-opening process; no document list or KYC tiering is published, so prepare identity documents according to what the app asks for.
- Officially supported regions
- United States. The official description is that it is open to US users, and from October 2026 free accounts can use it too.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (per the official product page)
- Issuer Arrangement / Payment Rails
- Deposits and payments are provided by Cross River Bank (per the partner bank's press release). The card BIN is not published; this page does not speculate about a specific BIN.
- Apple Pay / Google Pay
- The official product page did not explicitly list Apple Pay support at this check, so it cannot be treated as supported.
- Overseas AI Subscriptions
- The company does not state how AI-subscription merchants are treated for cashback; the card is treated as general Visa acceptance.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- The official description is cashback of up to 3% on spending (Premium / Premium+ accounts) and 6% annual yield (APY) on account balances. Both the cashback rate and the interest are tied to the account tier, so not every account gets the top tier.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa
- Issuer arrangement / BIN
- Deposits and payments are provided by Cross River Bank (per the partner bank's press release). The card BIN is not published; this page does not speculate about a specific BIN.
- Apple Pay
- — Not specified by official sources: the official product page did not explicitly list Apple Pay support at this check, so it cannot be treated as supported.
- Google Pay
- — Not specified by official sources: the official product page did not explicitly list Google Pay support at this check, so it cannot be treated as supported.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: the company does not state how AI-subscription merchants are treated for cashback; the card is treated as general Visa acceptance.
Compatibility information for this card was verified on 2026-10-13 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
View full comparison of 135 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- X (X Corp.)
- Web Portal Support
- Full Web Portal (Cards Supported) — Money works on both the x.com website and the mobile App (as stated in the privacy policy), and card details are viewed in the Money tab; beneficiaries can only be added in x.com settings, not yet supported in the App
- Apple App Store
-
App Store Official Download ↗ All 175 storefronts (including mainland China)
- Google Play
-
▶ Google Play Official Download ↗ All 174 storefronts (Google Play does not operate in mainland China)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
General Data Rights / Regional Regulations
X Money privacy policy: US users are governed mainly by the GLBA consumer privacy notice of X Payments LLC, supplemented by state privacy laws (including California); you may request access, correction, portability and deletion, opt out of "sale/sharing" (targeted advertising) and appeal a refusal; X Payments shares transaction information with affiliates and also with non-affiliates for marketing (both can be limited); does not mention GDPR
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Kept only as long as needed for the purpose, or longer where required by law (no specific period stated)
- App Store Privacy Label
- Used to track: Browsing History, Contact Info, Identifiers, Location, Purchases, Usage Data, User Content; Linked to identity 10 categories; Not linked 3 categories
- Google Play Data Safety
- Not shared with third parties; Collects 11 categories; erasure can be requested; encrypted in transit
- Account Deletion Flow
-
App: Money tab → three lines (top right) → Close Account, self-service closure of the Money account; erasing personal data requires emailing money-privacy@x.ai, the account is first deactivated and then queued for deletion, and data that must be retained by law is not deleted
Verified on 2026-10-12. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Putting it in a crypto-card comparison table produces the wrong conclusion
This card has no crypto-asset custody, no on-chain settlement and is not denominated in stablecoin. Comparing its fees and cashback side by side with a stablecoin spending card gives a misleading conclusion. [1]
The top-tier cashback and interest come with conditions
Both the 3% cashback and the 6% APY are tied to paid account tiers. To estimate actual returns at the top tier, first establish the real numbers for the account tier you hold. [1]
Frequently asked questions
Is the X Money Card a crypto card?
No. It debits the X Money account's dollar balance and is a Visa debit card; neither crypto assets nor stablecoins are involved in its settlement.
What are the cashback and interest?
The official description is up to 3% cashback and up to 6% annual yield on account balances, both tied to Premium / Premium+ account tiers.
Can free accounts use it?
Public reporting says free accounts became eligible from October 2026, where previously a Premium subscription was required; the specific eligibility goes by the company's current statement.
Where can I apply?
The official description is that it is open to US users.
Can users in mainland China apply?
The scope the company states is the United States; no other regions are mentioned.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of X Money Card on X; search results may change over time.
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