X Money (account + debit card)
X
Card art is illustrative — not an official product image.
Up to 6% APY + up to 3% debit cash back (eligibility rules apply)
NY: $300 after $3,000 DD instead of APY; 6% APY limited to first $150k from Dec 1, 2026
Signup credit ~$25 (unverified variance). First-year spend estimate uses 3% debit cash back on $2,000/mo = $720 assuming boosted eligibility and mostly eligible MCCs. APY interest is NOT included in net (depends on deposit size). NY earns 0% APY.
Assumes $2,000/month eligible debit spend at the boosted 3% rate and $0 X subscription fee on the free+DD path. Excludes APY. Not a pure signup-bonus net. Category exclusions can lower real cash back.
- Min. requirement
- Often $1,000+ qualifying DD to boost rates (Premium+ may waive DD)
- Window
- See issuer site
- Annual fee
- $0
- Monthly fee
- $0
- Availability
- All states
- Offer expiry
- Not published / rolling
- Last verified
- 2026-11-05
- Est. bonus value
- $25
Notes
Fintech stored-value account (funds at Cross River Bank / sweep network; FDIC pass-through advertised). Open via the X app for eligible US users—rollout can be uneven. Boosted 6% APY / 3% debit usually needs Premium+ or qualifying direct deposits; otherwise 4% APY / 1% debit per public write-ups. Debit exclusions include utilities, wholesale clubs, jewelry, insurance premiums, colleges, and more. $25 welcome amount has conflicting user reports ($15)—flagged. Optional paid X subscriptions are separate from the account fee (account fee $0).
How the net was calculated
First-year estimate $720 assumes $2,000/month eligible spend at the stated base rate, minus membership/annual fees of $0. This is not a signup bonus. See the methodology.
Affiliate link: none yet — linking to the issuer’s public page.