FIBT X Card (Visa) — 30,000 points Sign-Up Bonus (2026 Review)
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Rewards Earning
Key Benefits
- 3x LiveFirst points on dining, 2x on gas and groceries, 1.5x on everything else
- 30,000 bonus points when you spend $4,000 in the first 90 days
- Visa Concierge access
Overview
The FIBT X Card (Visa) currently offers 30,000 points after $4,000 in purchases within 3 months. The annual fee is $95. Estimated net first-year value is $205 using the catalog's published valuation assumptions.
Who This Card Is For
Applicants who can complete $4,000 of planned purchases without carrying a balance and who fit First-International-Bank-Trust's approval rules.
How to Maximize the Sign-Up Bonus
Plan for roughly $1,334 per month in organic purchases to complete the $4,000 requirement inside 3 months. Do not carry interest-bearing debt to earn the bonus, and confirm that every planned purchase is eligible.
Pros
Cons
How This Compares
The closest current First-International-Bank-Trust comparison in the catalog is the FIBT GO Card (Visa), with 15,000 points after $1,500 in 3 months and a $0 annual fee. Compare net first-year value and long-term fit.
Frequently Asked Questions
What is the current FIBT X Card (Visa) welcome offer?
The current catalog offer is 30,000 points after $4,000 in purchases within 3 months. Confirm the issuer page before applying.
What is the FIBT X Card (Visa) annual fee?
The annual fee is $95.
How should I value the FIBT X Card (Visa) offer?
Using the site's catalog assumptions, the estimated net first-year value is $205 after the first-year annual fee and tracked statement credits. Your redemption value can differ.
Sources (1)
We last checked this against the bank's page on August 14, 2026.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.