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The X1 card offers good rewards, but to be able to maximize your rewards, you will have to spend a small fortune. If you aren't able to spend at least $15,000 on the card in a year, we would recommend you look for other options. Many other rewards credit cards offer unlimited rewards without spending requirements. Plus, you can find a card that also has a welcome bonus offer.

Another reason to think twice before you apply for the X1 credit card is redemption options. The points you earn with the card are redeemable with X1 partners only, and if you do not shop with those partners, your rewards will stay unused and bring no value. Instead of having a credit card that earns rewards you can't use, look for cash back credit cards that offer various redemption options or allow redeeming rewards as cash.