Sorry that didn't give much information.
Should I just save to PDF for maximum compatibility
PDF is just for sending a word document in PDF format.
I had another read of the WIKI and from what I can see PDF-X would be fine but it doesn't outline anything about compatibility (what I was after.) Or they both backwards/sidewards compatible?
The purpose of PDF/X is to facilitate graphics exchange, and it therefore has a series of printing related requirements, which do not apply to standard PDF files. For example, in PDF/X-1a all fonts need to be embedded and all images need to be CMYK or spot colors. PDF/X-2 and PDF/X-3 accept calibrated RGB and CIELAB colors, while retaining most of the other restrictions of PDF/X-1a.
The thing that threw me off is that MACs create a thumbnail of the PDF if saved as PDF-X but not when saved as standard PDF.
The PDF I am sending is an application form with a few graphics in it and a photo.