X1 card getting nerfed in November 2025

KK44 · ‎10-07-2025

Got an email saying flat 1.5% now and no boosts with various fee increases (but still no annual fee)

KK44 · ‎10-07-2025

Since it is 1.5x points not dollars it is actually now even worse than a straight 1.5% card unless you spend points with certain merchants that give you full value for the points.

AndySoCal · ‎10-07-2025

@KK44 Here is an alternative Cap1 with no annual fee with credit union.

https://www.ccuky.org/my-life/borrow/everyday-rewards

Membership is easy not geofenced.

FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal

CYBERSAM · ‎10-12-2025

This card is done! First the massive CLD across the board and now nerfing the rewards etc. 👎👎

Clearly they want everyone with X1 to switch over, but the new gold card is not worth the AF. Another card bite the dust...

AndySoCal · ‎10-12-2025

Deleted original post I thought x1 was venture was a venture capital one card. I was wrong.

FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal

Lou-natic · ‎10-12-2025

@AndySoCal wrote:
This thread illustrates why I will never have any relationship directly or indirectly with Capital One.

How does X1 nerfing their card (issued by Coastal Community Bank) have anything to do with Capital One?

8/8/25

2/16/26

AndySoCal · ‎10-12-2025

@Lou-natic I deleted the post. I thought wrongly it was one of Capital One Venture Cards

FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal

Aim_High · ‎10-16-2025

Thanks for that update @KK44.

Feel like I dodged the "bullet" as this was a very popular card early-on.

Here was my "take" and then some later "warnings."

Business Cards

Length of Credit > 42 years; Total Credit Limits > $957.6K
Top Lender TCL - Chase 165.9 - BofA 99.9 - CITI 98.5 - AMEX 95.1 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.