X1 Card

• Free

Last verified 5 Sep 2026

• Free to download

Last verified 1 Aug 2026

4.9 12113 ratings · App Store

1. 1/5Stay away if you need it to reliably work

   I used to LOVE the convenience and functionality of the X1 card. Especially the ability to super easily create virtual and temporary card numbers in the app. I attached many important services and subscriptions to this card. Then my experience changed. I woke up to my charges getting declined. I went to the app to see what could be wrong. “Your account is on hold. You must provide additional security information”. No text message asking me to confirm a recent charge, no phone call about a security concern. Just 100% shut down of all my card numbers and account. I did the extra security measures in the app. Take a photo of drivers license. Do a 3D scan of my face. In my view, it is not acceptable to block my entire account to ask for these things. If they needed them to be in my account or updated every year, etc, they should have asked in advance vs locking my account. I complete the extra security steps. But instead of releasing the hold like the original app message said it would, it now says, your account is still on hold and “under review”. So, no other options to get my account unblocked. I think, ok, I’ll just call the number on the back of my card and get it sorted out. But guess what? No customer support phone number on the back of the card. In fact, no support number anywhere on the website or app. Only text or email support. So I text. And convey the urgency of unblocking my card. And no response.

   MCWillieB · 5 Sep 2026

2. 1/5Racking Up Too Many Points? They’ll CLOSE Your Account

   They will absolutely close your account if they get jealous of you making lots of points. To the person that said “this is the Apple of cards”…? I don’t think so buddy. Apple, or any other ecosystem/service provider for that matter, will NEVER intrude into peoples personal lives. They don’t have to! They have better things to do. But not X1 my friend. X1 will ABSOLUTELY monitor, intrude, and JUDGE you, and SEEK a reason to pick on you… close your account, and then tell you it was part of the T&C…. specifically if you’ve done some great work around points haha :) and they will find that reason to close your account, and get it done within hours. I have witnesses, friends, and a good handful of examples. Oh and also their employees will lurk you on LinkedIn and other social media…. Their defense is that they can use any means to look up someone’s card activity usage. Say GOODBYE to Privacy with X1 card :)) P.S. don’t even get into this mess. Go with Sapphire, AMEX Gold, Apple Card… ANYTHING….. but this privacy intrusion bank. Thank me later.

   baroxxi · 5 Sep 2026

3. 5/5Not had any issues

   I’ve been a card holder since shortly before they left ‘beta’. I’ve really never had an issue. I’ve had to contact support a few times for questions regarding promos or my account, and they have been helpful and decent. Having the text chat is super nice as it is fast. I have not had any issues with credit limits or billing after the sell to Robinhood either. I’m not the biggest fan of how they monetize the product now. For example, you have to pay monthly to have an auth user with access to the app and credit reporting… otherwise they only get a card This isn’t really BAD, as it is on par with the norm, but it feels bad since you expect those things. Overall, good financial product and I’ve enjoyed the metal card 😏

   Lgndz41221 · 5 Sep 2026

4. 5/5Appreciation

   To whom this concerns . Hello , Let me startBy saying I am completely overwhelmed with excitement about the X one card. This card will most definitely be one of the most sought out credit cards starting this year 2022. I 100% I am more than certain that this company is going to be revolutionizing the ability for a lot of people that cannot normally qualify for a higher limit credit card, this is going to be such a huge change in their life. I also feel that like myself I appreciate several different areas of this card with number one being that you can have three different choices of setting up a virtual card I have never seen that before with any other credit card this is excellent. This is currently one of my highest credit limit cards that I currently hold in my wallet, so that naturally raise the value of this card for me. I look forward to doing business using this card I would like to see a business credit card in the future that could be evolved so people like myself that have a business we would be able to profit even more from a business side with using this card. I am very optimistic for the future with the getting a higher credit limit utilizing the cash back from all of my use in purchases with this card. Another thing that I’m very sure of is that X1 it’s going to get probably the best reviews out there of any other credit card offered to anybody today. And lastly I would just like to say thank you very much for the opportunity for me to utilize this card on a daily basis I 100% look forward to using this as my number one card

   greenkutz · 5 Sep 2026

5. 4/5Loving the card with one pain point.

   I had been in the waiting list for months and was overly excited when my invitation arrived. I went through the application process and was most excited about the no hard pull of your credit. I was a little skeptical about giving access to my bank account but thought since there was no hard pull I would make an exception. So to my shock when I’m the next day I get an alert from Experian saying X1 had pulled my credit! This is exactly what o didn’t want, another credit card inquiry on my credit report. To say I was heated is an understatement. I went online and found reviews of people saying this had happened to them and they also read and were under the impression that this card was only a soft pull. I wish they would be more transparent and say that they also pull you credit after you are approved. I still would have applied but probably would have waited until another time when I hadn’t just had my credit pulled for something else…

   Jaye404 · 5 Sep 2026

4.5 4574 ratings · Google Play

1. 2/5

   Card was epic and made it my daily usage card. all downhill in recent years. they've screwed up comically easy things like processing basic numbers. once managed to charge me a random $30+ finance charge on a zero balance and never corrected. All intro rates for cash back have disappeared where it is now the industry standard making its value come down to customer service. like most like entities now they've outsourced and scripted everything so needing actual help is impossible.

   Matt Campbell · 1 Aug 2026

2. 2/5

   TECH TEAM - PLEASE ADD WEEKLY AUTO PAYMENTS FOR A CERTAIN AMOUNT (not only the full balance). Wouldn't you make more money if you added that to the app? Since X1 scaled down on the reward points program, I do not go into the app as much before and use my card less. X1 does not have a payment address, so you cannot set up a payment through your bank, for example, auto payments/weekly payments for a certain amount of time. The X1 app allows weekly payments but only allows the full balance.

   Kristen Telaak · 1 Aug 2026

3. 4/5

   This card used to be my favorite for what it offered. It’s still easy to use, but since being acquired by Robinhood, many of the features that made X1 unique were removed. Points are worth significantly less (under one cent), which hurt the value. That said, the support team is amazing, and I was given access to the Robinhood Gold Card and appreciate the support. It’s a shame X1 was phased out, but I’m looking forward to what the Gold Card offers.

   Fernando David Valdez Guadron · 1 Aug 2026

4. 5/5

   hoping card reopens robinhood taking forever

   bishop · 1 Aug 2026

5. 2/5

   App not accepting payments----keep getting an error message when submitting my payment through the app. Contacted customer service and received a help guide for how to make a payment---which was completely unhelpful since that did not address the issue at all. I've had this card for 2 years and have never had an issue making a payment on the app, I don't even know if they have a website for me to make a payment!

   Anne Laux · 1 Aug 2026

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• 1.0.583 · 6 Apr 2026