WELCOME TO THE X WORLD WALLET, the new global adapter for your money combining payments, loyalty, and travel bookings to maximize convenience and the value of your money with no annual fees, credit checks, or interest charges.

The X World Wallet is a multi-currency digital account that automatically comes with a Visa debit card you can reload easily from your bank accounts to earn points at Visa merchants worldwide, and more.

Worldwide Acceptance
Your X World Wallet Visa card is accepted everywhere, including online merchants and ATMs globally. In addition to using your X card in stores, you can also tokenize it on ApplePay, Google Pay, and Samsung Pay for tap n’ go purchases. Your X Wallet also comes with a virtual card you can use to shop online at merchants you don’t feel comfortable using your physical card.

Points You Can Convert to Cash Instantly
X rewards you everywhere you go, at home or abroad, then gives you the freedom to spend the points earned anywhere your X cards are accepted. Enjoy X Points on daily purchases, for booking travel, or simply referring someone to the club, and more.

- Earn 3X Points on Dining, Entertainment and Charitable Contribution Transactions.
- Earn 2X Points on Airlines & Hotel Purchases, Monthly Subscription Services, and at Select E-Commerce Sites and Rideshare Services such as Walmart.Com, Target.Com, Amazon.Com, Uber, Doordash, Hulu, Netflix, Spotify, and many others.
- Earn 1X Points on All Other Qualifying* Everyday Purchases.

Integrated Travel Bookings
To make it even more convenient and bring you added value, X members have access to discounts and even more X Points when booking via the integrated X Bookings functionality available on the web and app, where you will find your favorite airlines and hotels from around the world.

Real-Time Foreign Currency Exchange
Using the X Wallet app you can lock in foreign exchange rates before you travel to avoid paying higher rates at the point of sale. Once you load your X Wallet with your home currency, you can then exchange money into any of the following foreign currencies:

- Euro
- Great British Pound
- Mexican Peso
- Canadian Dollar

Account Security At Your Fingertips
With X security is in your hands. You can block or unblock your cards from the app at any time in the event one is lost or stolen. Additionally, enjoy Chip and PIN protection when using your physical cards.

Automatic Ways to Contribute to Climate Change
With our Change Together sustainability platform, all X users are able to contribute automatically with every card transaction and travel booking using the X Bookings portal. To learn more about our sustainability efforts and the X World Wallet, visit xworldwallet.com.