X1 Card User Reviews

X1 Card
X1 Card
Robinhood Markets, Inc.

Customer Experience

Positive experience51.1% of reviews
Neutral6.6% of reviews
Negative experience42.3% of reviews

~ Based on 137 written reviews from the US App Store.

What users say

Is X1 Card Safe?

X1 Card appears safe based on user ratings. AppsHunter Safety Score for X1 Card is 98/100.

This assessment is based on 12,109 user ratings, with an App Store average of 4.9/5.

Safety Analysis

98.1% of ratings point to a safe experience
0.6% of ratings suggest some concerns
1.3% of ratings point to a risky experience

~ Based on 12,081 App Store ratings for X1 Card.

Is X1 Card Legit?

X1 Card appears to be a legitimate app. AppsHunter Legitimacy Score for X1 Card is 85/100.

Based on 85 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

Hard to use

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)

Horrible Customer Service

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.
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App does not work

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

App Crashing

Will not open, immediately crashes

The app auto closes on load for me.

See title

Shady payment practices

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!
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Downhill

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

Issue with the latest application update - removes bonus multipliers.

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.
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Removed Boosts

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 🤷‍♂️

Skip this CC. Changed their offering, poor customer service

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.
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Time for a new card issuer

Up until November of 2025, my account offers 2x points back and bonus categories each week for even more cash back. As of the current update, it’s only 1.5x back and the bonus categories are gone. It’s time to go get a new card issuer.

New update issues

Current update, removed the boost feature and several other features from the app no longer available on screen possible glitch however tried resetting still features are now no longer available

Neutered Card

The “new” version that fixed “performance upgrades and security” fixes actually removes the boosts section. Goodbye X1, err robinhood..

Stay away from!!!

I used to love this card and it was my go to card for everything. Unfortunately since Robinhood acquired the company they do the same shady stuff what Robinhood has been doing. Constantly changing the terms, credit limits, points value etc. customer support answers back after many hours sometimes a day, this card is dead better go to another company.
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Taking away Boosts?

I promote this card to everyone I meet, why are you making it worse?

Inefficient Card

The card works fine. No benefits to brag about. I’m giving this app 1 star because it takes a week to pull the money out of your bank when you make a payment.

Triple Notifications

I’m not sure what happened in the last update, but all of a sudden, every time there is a transaction, I receive 3 notifications.

I cant make an account

Ive seen good things abt this app but i cant make an account

Look no further!

If you're searching for a credit card that offers really good rewards and the option to open an account for a minor so they can start building credit early, look no further! The customer service is also outstanding. Today, I had the pleasure of working with Ty, and every time I make a request, it’s taken care of quickly and smoothly—no unnecessary back-and-forth, just simple and fast help!
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Can't delete gift cards

Why is it an option to delete the gift cards but it doesn't work