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
4%
6% after qualifying-deposit condition
X Premium+
6%
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.
$
$
Enter only purchases you expect to be cashback-eligible.
This scenario
X Card cashback
$0
3% × $0 eligible spend
X Money interest
$0
6% APY on $0
Incremental subscription cost
$0
Already paying for tier
Combined modeled annual value
$0
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: unavailable; verified static rate snapshot retained.
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.
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 Sep 10, 2026; card/account and Cross River terms were last checked Sep 10, 2026. X's APY table states rates are effective Jul 27, 2026 and variable. Product availability remains a select-user U.S. rollout.
1 of 1 debit/cash products
Find by must-have perks
Tell MFA what the card has to include.
Selected perks use AND logic — every result must have all of them.
Popular to compare
Quick access to premium, travel and Costco favorites — including Amex Platinum.
Tap any card to add/remove it
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.