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FIBT X Credit Card

eXperience the possibilities

The X Card gives you the credit card benefits you’ve been searching for. Well-qualified applicants enjoy the card’s higher credit limits and greater flexibility in features and benefits. Maximize your points when making the X Card your first choice in payment options. Get rewarded for everyday purchases, like gas, groceries, and dining-out.

Card Features:

  • Enjoy the low annual fee of $95
  • Competitive 13.49% - 24.49% APR when you open your account based on your credit worthiness1
  • Stand out from the stack with a sleek metal card
  • Earn rewards faster, with enhanced uChoose Rewards earnings
  • Enjoy special access to unforgettable experiences with Visa Signature® Concierge2

Apply Now

X Card Visa Disclosures ›

uChoose Rewards

uChoose Rewards

Earn points on every purchase

Reward yourself with the uChoose Rewards Program. Shop using your First International Bank & Trust X Credit Card to start earning points.

  • X Cardholders earn 1.5 points per dollar spent online or in-store, double points on gas and groceries and triple points on dining
  • Earn 30,000 bonus points when you spend $4,000 on your X Credit Card in the first 90 days3
  • Log in to uchooserewards.com to earn additional points by activating monthly offers at national retailers
  • Redeem points for rewards like gift cards, electronics, airline tickets, and activity vouchers
  • Redeem $1 per 100 points, starting at 1,500 points, with the cashback option
  • Combine points between multiple credit cards that you or family members have with FIBT

Register your card, manage your points and redeem rewards at uchooserewards.com.

Log-in or register with uChoose Rewards


Concierge

Visa Signature® Concierge2

Enjoy complimentary booking assistance and more 24/7

Your FIBT X Credit Card helps you enjoy the things you love with complimentary Visa Signature® Concierge2 service 24 hours a day, wherever you are. Simply call (800) 953-7392 for assistance booking flights, hotels, ground transportation, event tickets and more—even dinner reservations or golf tee times.
Call the Visa Signature® Concierge2 anytime at (800) 953-7392. For calls outside the United States, call collect (630) 350-4551.