Comparison

Privacy.com vs X1 Card

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Privacy.com

Safeguard your online transactions by creating virtual payment cards. Protect your actual financial details from compromised cards, unexpected charges, and recurring subscription fees. Enjoy enhanced security and control over your spending with customizable limits and real-time monitoring.

Highlights
  • Create virtual payment cards
  • Merchant-locked cards
  • One-time-use cards
  • Customizable spending limits
  • Real-time transaction monitoring
  • Pause/unpause/close cards
Features
Read full description

Stop exposing your credit or debit card information and protect your online payments with Privacy. Join over 250,000 users who have saved millions of dollars by using Privacy to block unwanted charges from compromised cards, overcharging, hidden fees, and forgotten subscriptions. Getting started with Privacy is simple: create your account, verify your information, securely link your bank account or debit card, and request your first virtual card. Start shopping and enjoy the added layer of protection Privacy provides to protect you from payment card theft and fraud. Benefits: - Shield your true financial information: Our Privacy Cards mask your debit card or bank account number to help protect you from card theft and fraud. Pay with greater privacy and security anytime, anywhere on desktop or on mobile. - Create merchant-locked and one-time-use cards: Our cards automatically "lock" to the first merchant they are used at, so if the merchant is ever breached, the card number can never be used anywhere else. You can also create one-time-use cards that automatically close after a single transaction. - Take complete control over your spending: Set customizable spending limits to prevent overcharging and block hidden fees—perfect for managing subscriptions and recurring expenses. If a transaction goes over the limit, we will automatically decline it. - Leverage real-time transaction monitoring: Receive notifications any time a Privacy Card is used. Easily pause, unpause, and close Privacy Cards any time with just one push of a button. Privacy’s core product is free to use on domestic transactions, because, like other card companies, we collect transaction fees from merchants. Privacy Cards can be used at most merchants that accept credit and debit cards. The security of our users’ personal information and data is critical to everything that we do at Privacy. You can review our security policies at https://privacy.com/security. Read about us in Forbes, Wirecutter, and The Wall Street Journal! For support, questions, or more information, please contact us at support@privacy.com.

About

X1 Card

This app provides a digital interface for a smart credit card, offering features like transaction viewing, spending control with virtual cards, and rewards for purchases. It aims to offer higher credit limits and a premium card experience for a new generation of consumers.

Highlights
  • 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
Features
Read full description

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.

Screenshots

Privacy.com4 screens
X1 Card3 screens

Verdict

The call

The clearest difference is rating: X1 Card at 4.9 against Privacy.com's 4.5. X1 Card also leads on monetization model (free vs free with in-app purchases) and update cadence (every 10 days vs every 4 weeks). On price, ratings volume, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

X1 Card holds the better App Store score, 4.9 against 4.5. Both are backed by a comparable volume of ratings — 7.2K and 12K respectively. Written reviews point the same way: 39% of Privacy.com's written reviews are positive against 50% of X1 Card's.

UpkeepUpdate frequency

Privacy.com ships an update every 4 weeks, X1 Card every 10 days. The most recent releases landed on November 1, 2026 and October 30, 2026 respectively.

Scorecard4 real differences · 6 level
Privacy.com versus X1 Card: the parameters behind the verdict, then further details
ParameterPrivacy.comX1 Card
PriceFreeFree
Rating4.5 (7.2K ratings)4.9 (12K ratings) — better
Positive reviews39.0% of reviews50.4% of reviews — better
Number of ratings7.2K12K — better
Update frequencyEvery 4 weeksEvery 10 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.115.1
Further details — not scored
Size55 MB79 MB
Age rating4+4+
DeveloperPay With Privacy, Inc.Robinhood Markets, Inc.

Customer experience

Privacy.com

All ratings7,157 ratings
Positive88.6%
Neutral1.3%
Negative10.1%
Written reviews177 reviews
Positive39.0%
Neutral4.0%
Negative57.1%

X1 Card

All ratings12,116 ratings
Positive98.0%
Neutral0.6%
Negative1.4%
Written reviews139 reviews
Positive50.4%
Neutral6.5%
Negative43.2%

User reviews

Privacy.com

From 7.2K App Store ratings

What we love

  • 🚀 Excellent protection
  • 🔒 Total control
  • 👍 Incredible
  • 🔒 Essential app
  • 👍 Happy user for YEARS

Room to improve

  • 🐛 Great service, HORRIBLE new app
  • 🐛 DISAPPOINTED THEY DONT BLOCK THEFT LIKE THEY CLAIM
  • 🐛 New UI and other irritations
  • 🐛 Card Not Supported
  • 🐛 Disabled my account

X1 Card

From 12K App Store ratings

What we love

  • 🚀 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

Room to improve

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

Bugs and requests

Privacy.com

Reported bugs

5 issues
  • Half of the time I cannot open the app after it was closed as FaceID is broken and disables keyboard entry
  • Automatically pausing cards set up for annual payments
  • Transactions being authorized multiple times on one-time use cards
  • App crashing issues
  • Compatibility issues with newer debit cards

Requested features

6 requests
  • Ability to search transactions by dollar amount
  • Option to hide closed cards
  • Ability to preload cards for budgeting
  • Option to set cards back to no limit
  • Landscape mode support
Show 1 more
  • Browser extension

X1 Card

Reported bugs

2 issues
  • Recurring payment issues and reversals
  • Inconsistent account access and login problems

Requested features

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

In-app purchases

None

Privacy.com

No in-app purchases

None

X1 Card

No in-app purchases

Questions

Is Privacy.com free?
Privacy.com is free to download, with no in-app purchases.
Is X1 Card free?
X1 Card is free to download, with no in-app purchases.
Which has better reviews, Privacy.com or X1 Card?
X1 Card is rated higher. Privacy.com averages 4.5 out of 5 from 7.2K ratings, while X1 Card averages 4.9 from 12K ratings.
Do Privacy.com or X1 Card have ads?
Neither Privacy.com nor X1 Card shows ads.
Which is updated more often, Privacy.com or X1 Card?
Privacy.com ships an update every 4 weeks, and X1 Card every 10 days. Most recently, Privacy.com was updated on November 1, 2026 and X1 Card on October 30, 2026.

Other comparisons