# Privacy.com vs X1 Card

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.

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

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.

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.

## The numbers

| Metric | Privacy.com | X1 Card |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (7.2K ratings)](https://appshunter.io/ios/app/privacycom-virtual-cards/id1040298266/reviews) | **[4.9 (12K ratings)](https://appshunter.io/ios/app/x1-card/id1581364879/reviews)** |
| Number of ratings | 7.2K | **12K** |
| Positive reviews | 39.0% of reviews | **50.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Every 10 days** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 55 MB | 79 MB |
| Requires iOS | 15.1 | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Pay With Privacy, Inc.](https://appshunter.io/developer/1040298265) | [Robinhood Markets, Inc.](https://appshunter.io/developer/938003184) |

## What reviewers say

### Privacy.com

[App page](https://appshunter.io/ios/app/privacycom-virtual-cards/id1040298266)

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:** macOS Compatibility, Safari Extension, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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**

- 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


### X1 Card

[App page](https://appshunter.io/ios/app/x1-card/id1581364879)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

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


## Frequently asked 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.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*