Thousands of U.S. travelers in 41 states and Washington, D.C., can now access X Money’s Visa debit card, which waives foreign transaction fees and offers free global ATM withdrawals.
The catch is price: the card requires an X Premium+ subscription costing $395 a year on the web or $490 through Apple, turning a no-fee travel perk into a paid bundle.
X pitches that bundle with 3% cashback and a 6% APY on deposits; keeping about $6,600 in the account would offset the $395 web subscription, while $5,000 would cut the net cost to roughly $95.
That value proposition is weaker for many travelers because Charles Schwab, Capital One and Fidelity already offer debit cards with no foreign fees and no annual subscription, though with lower yields.
The rollout is still limited — unavailable in New York and Massachusetts and only for verified U.S. adults — while the 6% rate remains unsupported by a published Truth-in-Savings disclosure and could change.