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X Money – 3% Cashback Exclusion List (Taxes, Money Orders & More)

X Money is promising to offer 3% cash back on debit card purchases. Beta users sharing information were touting this as 3% back on all purchases but a list of exclusions has been found

Update 9/22/26: Some new additions:

  • 4900 Utilities
  • 5300 Wholesale Clubs
  • 5816 Digital Goods – Games
  • 5944 Jewelry Stores
  • 6300 Insurance Underwriting, premiums
  • 6532 Payment Transaction: Customer Financial Institution
  • 7994 Video Game Arcades
  • 8220 Colleges & Universities
  • 9402 Postal Services – Govt only

X Money is promising to offer 3% cash back on debit card purchases. Beta users sharing information were touting this as 3% back on all purchases but a list of exclusions has been found: 

Fines, Government Services, Funding Transactions, Real Estate, FX or Money Order Transactions, Financial Institutions, Stamp and Coin Stores, Precious Stones and Metals, Wire Transfers and Money Orders

I didn’t have much hope that any of these categories would last long, but disappointing it won’t be abusable even for a short time. Still plenty of options though not currently excluded. 

I know people have strong opinions on Elon Musk on both sides, but it would be good if we could try to keep the discussion to the actual product at some point as well. 

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