The X Money Card earns 3% USD cashback on a Visa debit card with no annual fee, available in US (40+ states).
X is the social media platform formerly known as Twitter, acquired by Elon Musk in October 2022 for around 44 billion dollars and rebranded to X in 2023. X Money is the platform's payments and banking product, which began a limited beta rollout in March 2026 with a metal Visa debit card and peer-to-peer transfers; X announced its Visa partnership in January 2025. The product is operated under money transmitter licenses in more than 40 US states, with deposits held at partner Cross River Bank rather than by X itself.
The X Money Card is a crypto debit card offered by X (formerly Twitter), available in US (40+ states). It offers 3% USD cashback rewards on purchases. There is no annual fee to hold this card. It runs on the Visa network and requires full identity verification.
On $500/mo spend, the estimated monthly cost breakdown for X Money Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $15.00/mo cashback that nets a gain of about $7.50/mo ($90.00/yr). X Money Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 3% | All eligible purchases (excludes tax, money orders, financial institutions, govt services) |
Note: Metal Visa debit card personalized with user's X handle, issued in partnership with Visa via licensed subsidiary. Public early access began April 2026 after limited beta in March. 6% APY on deposits (FDIC-insured via Cross River Bank, up to $250K). 0% FX fees. Apple Pay & Google Pay. Initial product is fiat-only; crypto support (BTC, ETH, DOGE) is planned but not yet live. 3% cashback excludes money orders, precious metals, tax payments, financial-institution payments, and govt services.
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The X Money Card is a crypto debit card offered by X (formerly Twitter). It is available in US (40+ states) and allows users to spend cryptocurrency at merchants worldwide.
The X Money Card offers 3% USD cashback.
The X Money Card has an annual fee of $0. Note: Metal Visa debit card personalized with user's X handle, issued in partnership with Visa via licensed subsidiary. Public early access began April 2026 after limited beta in March. 6% APY on deposits (FDIC-insured via Cross River Bank, up to $250K). 0% FX fees. Apple Pay & Google Pay. Initial product is fiat-only; crypto support (BTC, ETH, DOGE) is planned but not yet live. 3% cashback excludes money orders, precious metals, tax payments, financial-institution payments, and govt services.
The X Money Card is available in US (40+ states). Its availability status is "US (40+ states)".
The X Money Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
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