X Money

X Money, modeled beyond the 3% headline.

See eligible-purchase cashback, APY rules, New York treatment, subscription cost and joint-account ownership terms in one shareable scenario.

MFA · X Money

The 3% debit card is only half the story.

X Money combines a Visa debit card with a stored-value account. X currently advertises 3% cashback on eligible X Card purchases, global ATM-fee reimbursement, no foreign transaction fees and tier-dependent interest. It is not a credit card and does not build credit.

3% eligible-purchase cashbackUp to 6% APYATM fees reimbursedNo FX feeJoint accounts supported

Current official rate structure

X Premium

0% after qualifying-deposit condition

X Premium+

standard published APY

New York: 0% APY under X's current rate terms. X separately has a promotional NY direct-deposit offer; MFA does not count that one-time bonus in recurring value.

Run the X Money math

Only enter spending you believe qualifies for X's 3% cashback. MFA does not assume every transaction is eligible.

Joint X Money accountTurn this on if you’re modeling two joint owners. The share link keeps joint ownership selected and carries the current control, liability and survivorship terms.

Cash balance in X Money

Eligible X Card spend / month

Enter only purchases you expect to be cashback-eligible.

JurisdictionX subscription tier for APY

I already pay for X Premium+If unchecked, MFA treats the current U.S. web annual price ($395) as an incremental cost of this money setup. It is not treated as a card annual fee.

Ownership: Individual X Money account selected. Use the Joint X Money account switch above to model shared ownership.

Your current cash APY optional

This scenario

X Card cashback

3% × $0 eligible spend

X Money interest

6% APY on $0

Incremental subscription cost

Already paying for tier

Combined modeled annual value

cashback + interest − incremental tier cost

This is not a claim that X Money is the best place for your cash or spending. It combines two separate benefits for visibility. Taxes, excluded cashback transactions, alternative-card rewards and temporary bonuses are not included.

Live X Money source check: safe APY parse checked Oct 27, 8:55 AM.Broader term review needed · ATM reimbursement timing now says 0 days

Official X Money page ↗Official APY table ↗Stored-value terms ↗X Premium pricing ↗

Built to share on X

Share the rules, not just the headline.

The shared MFA scenario preserves the tier, state, cash balance, eligible-spend assumptions and whether you modeled the account as joint.

MFA · X MONEY

MyFriendAlex.org

DEBIT + STORED-VALUE ACCOUNT

3% cashback + up to 6% APY — with the fine print modeled.

X Premium+ · other eligible U.S. jurisdiction · APY table checked Oct 27, 2026

Eligible X Card spend / yr

Modeled cashback

Modeled X Money APY

6% APY

Cash balance modeled

Modeled annual interest

Current cash APY baseline

Not entered

Interest difference

—

Incremental X subscription cost

X Card

3% cashback only on eligible purchases; certain transactions are excluded.

X Money APY

Premium+ standard APY modeled at 6%.

Product type

Debit / stored-value account · not a credit card · no overdraft/credit feature.

APY is variable and effective from X's published 2026-10-12 rate table. Cashback is modeled only on eligible spend entered by the user. Taxes, excluded transactions, temporary bonuses and opportunity cost versus another rewards card are not included.

Run the X Money math yourself.

Change cash balance, eligible debit spend, tier and state at MFA.Money.

Generated Oct 27, 2026 · Educational scenario

MFA.Money ↗

by MyFriendAlex.org

Turn this result into a decision.

Compare it with another snapshot, keep your reasoning and set your next step.

Inputs, estimates & source dates

Keep this result

Save it to My MFA and come back later.

This keeps the scenario in your private My MFA workspace so you can reopen, compare and organize it. It does not publish the scenario.

Share or export

Send the scenario, copy a rerunnable link, or export a branded file.

Sharing is separate from saving to My MFA. Public links carry only the scenario inputs needed to reproduce this view.

PNG and PDF use the same high-resolution MFA export layout with result context and assumptions. On iPhone, Save PNG can open the iOS share sheet. MyFriendAlex.org is the full experience · MFA.Money is the short address.

MFA checked X Money's official APY table on Oct 27, 2026; card/account and Cross River terms were last checked Sep 20, 2026. X's APY table states rates are effective Oct 12, 2026 and variable. Product availability remains a select-user U.S. rollout.

1 of 1 debit/cash products

3% eligible-purchase debit cashback

𝕏 Money Card

Rolling out to select U.S. users

Annual cost

Rewards

3% cashback on eligible purchases

Cash math

% direct

Cash percentage used directly — e.g. 3% = $3 per $100 spent

Issuer terms: Review due · last verified Sep 20, 2026 · ranking keeps the last verified catalog until source review + QA

Issuer pages are the source for product terms and issuer-stated dollar benefits. Variable point valuations are clearly labeled as assumptions from a third-party editorial benchmark and can be changed. Welcome offers, APRs, perks, merchant coding and eligibility change frequently. MFA does not currently accept card affiliate compensation.