1FBUSA Mobile vs X1 Card
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
1FBUSA Mobile
Manage your 1st Financial Bank USA credit card accounts conveniently from your mobile device. Features include autopay, payment tracking, secure sign-in options, and in-app notifications. You can also send secure messages, report lost cards, and update your personal information.
- Autopay setup
- Credit card payment
- Balance monitoring
- In-app notifications
- Secure sign-in (Face ID/Touch ID/MFA)
- SecureMail with attachments
- Report lost credit card
Read full descriptionHide full description
You can manage your accounts 24/7 right from your mobile device. Manage your 1st Financial Bank USA (1FBUSA) account: - Set Up Autopay and make Credit Card Payments automatically each month - Monitor balances and activity on your 1FBUSA Credit Card - Receive in app notifications - Sign In with Secure Code with Multifactor Authentication [MFA] - Sign In with Face ID or Touch ID - Send SecureMail with attachments - Contact Customer Service - Ability to report your Credit Card lost - Let the Bank know your Travel Plans - Update your personal information - Make One Time payments 1FBUSA specializes in providing quality credit card and financial services to college students and college graduates nationwide. Services are available 24/7, with online banking through our website and mobile app. 1FBUSA also provides construction lending to builders, developers, and investors, as well as community banking services in South Dakota.
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.
- 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
Read full descriptionHide 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
Verdict
The clearest difference is rating: X1 Card at 4.9 against 1FBUSA Mobile's 2.1. X1 Card also leads on review sentiment (50% vs 19%) and ratings volume (12K vs 125). On price, ads, in-app purchases and monetization model 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
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 2.1. That said, the two scores are not equally well evidenced: X1 Card has 12K ratings behind it against 125, so its average is the more settled of the two. Written reviews point the same way: 19% of 1FBUSA Mobile's written reviews are positive against 50% of X1 Card's.
1FBUSA Mobile ships an update every 6 weeks, X1 Card every 10 days. The most recent releases landed on October 24, 2026 and October 30, 2026 respectively.
| Parameter | 1FBUSA Mobile | X1 Card |
|---|---|---|
| Price | Free | Free |
| Rating | 2.1 (125 ratings) | 4.9 (12K ratings) — better |
| Positive reviews | 18.6% of reviews | 50.4% of reviews — better |
| Number of ratings | 125 | 12K — better |
| Update frequency | Every 6 weeks | Every 10 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.4 | 15.1 — better |
| Further details — not scored | ||
| Size | 35 MB | 79 MB |
| Age rating | 4+ | 4+ |
| Developer | 1st Financial Bank USA | Robinhood Markets, Inc. |
Customer experience
1FBUSA Mobile
X1 Card
User reviews
1FBUSA Mobile
From 125 App Store ratingsWhat we love
- 👍 Builds credit responsibly
- ✅ Payments go through quickly
- ✨ New app design is nice
- 🚀 App is easy to use
- ✅ Fingerprint sign-in works
Room to improve
- 🐛 App frequently won't let users log in
- 🐛 Face ID/biometrics don't work
- 🐛 App constantly logs users out
- 🐛 Password saving issues
- 🐛 Transactions not displayed
X1 Card
From 12K App Store ratingsWhat 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
1FBUSA Mobile
Reported bugs
20 issues- Unable to log in
- Face ID/biometrics not working
- App logs users out unexpectedly
- Password not saved
- Transactions not displayed
Show 15 moreShow fewer
- App/website shows error messages
- Customer service unable to resolve login issues
- Incurring late fees due to app malfunction
- App is clunky
- No logout button
- Inability to track spending
- Pending charges not updating correctly
- App requires constant updates
- Login information is inconsistent or incorrect
- App glitches and freezes
- Account credentials not recognized
- Incorrect balance/available credit display
- Fraudulent charges not visible in app
- App crashes after personal image stage
- Logo not fully displayed after update
Requested features
8 requests- Integrate with third-party budgeting apps (e.g., Nerd Wallet)
- Display current transactions
- Allow sorting of statements by date
- Improve app usability and user-friendliness
- Update app for iPhone X compatibility
Show 3 moreShow fewer
- Add Apple Pay support
- Modernize app design
- View statements without downloading PDF
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
1FBUSA Mobile
No in-app purchases
X1 Card
No in-app purchases
