# X1 Card — Smart Credit Card

> Smart credit card app for managing transactions, limits, and earning rewards. (iPhone/iPad app by Robinhood Markets, Inc..)

- Source: https://appshunter.io/ios/app/x1-card/id1581364879 (this page in markdown: same URL + `.md`)
- Developer: [Robinhood Markets, Inc.](https://appshunter.io/developer/938003184)
- Category: Finance, Utilities
- Price: Free
- Rating: 4.90/5 from 12,116 App Store ratings · 138 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 79 MB
- Languages: American English
- Released: 2021-08-19
- Data updated: 2026-08-29
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/x1-card/id1581364879/reviews.md

## What is X1 Card?

To apply for X1 Card, please visit x1.co.

X1 Card
The smartest credit card ever made. Designed for a new generation of cardholders, X1 Card embodies a new category of credit card.
- 17g of pure stainless steel
- Higher credit limits
- Points on every single purchase
- No annual fee
- No foreign transaction fee
- No late fee

X1 App
The technology powering X1's smart features.
- View your transactions balance and limit at a glance
- Take control of your spending with virtual cards
- Earn up to 5X Points on every dollar spent with boosts
- Earn up to 10X Points when you shop in the app

Cardholder Support
Please contact support within the app, and we'll respond as soon as possible.

Disclosures
X1 is a financial technology company, not a bank.
X1 Card is issued by Coastal Community Bank, Member FDIC, pursuant to license from Visa U.S.A. Inc. 

Individual credit limits will vary by applicant and are subject to credit approval and underwriting. We cannot guarantee any specific credit limit, but most approved applicants receive a limit higher than their current average line.

## Key features

- View transactions, balance, and limit
- Create virtual cards for spending control
- Earn up to 5X points on purchases
- Earn up to 10X points via in-app shopping
- Stainless steel card construction
- Higher credit limits
- No annual, foreign transaction, or late fees

## What do users think of X1 Card?

Overall sentiment: neutral

**Pros**

- 🚀 Smooth and easy application process
- 🔒 Robust security features like virtual cards
- 👍 Sleek and user-friendly app
- 💡 Innovative features like weekly reward boosts
- 👍 Excellent customer service and support

**Cons**

- 🐛 Account freezes and fraud flags causing issues
- 💰 Concerns over changing reward structure and policies
- 🔒 Privacy issues with account monitoring
- 🔋 Buggy app performance and crashes

**Commonly reported bugs**

- Recurring payment issues and reversals
- Inconsistent account access and login problems

**Most requested features**

- CSV download for transactions
- Ability to change billing cycle
- Support for additional card users
- Expansion of partner merchants for rewards

## Recent user reviews (10 of 138)

All indexed reviews: https://appshunter.io/ios/app/x1-card/id1581364879/reviews.md

### 1/5 — Hard to use

*2026-04-20, version 1.0.590*

It is hard to use, does not allow for contacting customer service, connecting your bănci account is not properly done (says the account is connected, but payments fail, saying it does not recognize the account)

### 1/5 — Horrible Customer Service

*2026-04-14, version 1.0.583*

App keeps on crashing on my IPhone XR done all of the troubleshooting nothing fixes it, I try calling them good luck getting ahold of their X1 department through Robinhood. Nobody can schedule a payment over the phone or anything you can only make payments through this app. I explain it doesn’t work and these useful people on customer service tell me oh I’ll be reached out through email. Still not resolved days later.

### 1/5 — App does not work

*2026-04-13, version 1.0.583*

App does not open. Deleted, reinstalled. Off loaded app then deleted and reinstalled and app still does not work. Please fix.

### 1/5 — App Crashing

*2026-04-13, version 1.0.583*

Will not open, immediately crashes

### 1/5 — The app auto closes on load for me.

*2026-04-10, version 1.0.583*

See title

### 1/5 — Shady payment practices

*2026-03-26, version 1.0.582*

Payments routinely take WEEKS (not exaggerating) to process; they take money from your account and you practically have to beg them to credit it. 

You then have to contact Customer Service via email (there’s no number), where they pretty much give you a scripted answer that has nothing to do with the question at hand. A payment gets made, over a week later it’s still not credited, Customer Service then says it can take up to 4 business days (the payment was made nearly 4 weeks ago at this point). AVOID AT ALL COST!

### 1/5 — Downhill

*2025-12-03, version 1.0.580*

Was good whoever this card sucks now ever since they reduced rewards.

### 3/5 — Issue with the latest application update - removes bonus multipliers.

*2025-12-01, version 1.0.579*

Was prompted with an upgrade application prompt and after updating to this latest version my monthly 3x bonus which resets in the 30th of the month was reset to a lowest bonus I’ve seen of 1.5 prior to the update it was 2x points. Also the weekly bonus categories ex. Gas, grocery shopping, etc. are now all missing. I’ve emailed tech support via the app and haven’t received any response back.

### 1/5 — Removed Boosts

*2025-11-29, version 1.0.579*

This new “update” removed Boosts from the app. No more 3 or 4x points for a restaurant check, gas stop, etc.  Guess it is time to move on to something else 🤷‍♂️

### 1/5 — Skip this CC. Changed their offering, poor customer service

*2025-11-28, version 1.0.579*

They recently substantially changed their rewards program for the worse, and it’s always been a pain to redeem rewards for their full value.

And, their customer service has been pretty frustrating to work with over the years. Not a single time I asked for something that other credit card companies had given me did X1 help. The help option is to text them and they reply two business days later, which is not helpful for urgent requests, particularly when X1 blocks a purchase without explanation that you actually need to make.

## Frequently asked questions about X1 Card

### What does the X1 Card app do?

The X1 Card app serves as the digital interface for the X1 smart credit card. It allows users to view their transactions, balance, and credit limit at a glance. The app also provides tools to manage spending through virtual cards and track earned rewards.

### How do I earn rewards with X1 Card?

You can earn points on every purchase made with your X1 Card. The app offers boosts to earn up to 5X points on every dollar spent. Additionally, you can earn up to 10X points when you shop directly within the app.

### Is there an annual fee for the X1 Card?

No, the X1 Card has no annual fee. It also features no foreign transaction fees and no late fees, making it a cost-effective option for cardholders.

### What are the benefits of using virtual cards with X1?

Virtual cards allow you to take control of your spending by creating unique card numbers for different merchants or subscriptions. This feature enhances security and makes it easier to track where your money is going and to manage recurring payments.

### How can I apply for an X1 Card?

To apply for the X1 Card, you need to visit the official X1 website at x1.co. The application process will guide you through the steps to see if you qualify for the card and its associated benefits.

## Version history (last 5 releases)

### 1.0.590 — 2026-04-15

Bug fixes and performance improvements.

### 1.0.589 — 2026-04-14

Bug fixes and performance improvements.

### 1.0.583 — 2026-04-06

Bug fixes and performance improvements.

### 1.0.582 — 2025-12-03

Bug fixes and performance improvements.

### 1.0.581 — 2025-12-03

Bug fixes and performance improvements.

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## More apps by Robinhood Markets, Inc.

- [Robinhood: Trading & Investing](https://appshunter.io/ios/app/robinhood-trading-and-investing/id938003185)
- [Robinhood Wallet: Swap Crypto](https://appshunter.io/ios/app/robinhood-wallet-swap-crypto/id1634080733)
- [Robinhood Banking](https://appshunter.io/ios/app/robinhood-banking/id6462308655)
- [Robinhood: Crypto, 5% euros](https://appshunter.io/ios/app/robinhood-crypto-5-euros/id6467049008)

All apps by Robinhood Markets, Inc.: https://appshunter.io/developer/938003184

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*