# 1FBUSA Mobile vs X1 Card

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.

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.

## The numbers

| Metric | 1FBUSA Mobile | X1 Card |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.1 (125 ratings)](https://appshunter.io/ios/app/1fbusa-mobile/id1129711073/reviews) | **[4.9 (12K ratings)](https://appshunter.io/ios/app/x1-card/id1581364879/reviews)** |
| Number of ratings | 125 | **12K** |
| Positive reviews | 18.6% of reviews | **50.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 10 days** |
| Monetization | Free | Free |
| Size | 35 MB | 79 MB |
| Requires iOS | 16.4 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [1st Financial Bank USA](https://appshunter.io/developer/1117952359) | [Robinhood Markets, Inc.](https://appshunter.io/developer/938003184) |

## What reviewers say

### 1FBUSA Mobile

[App page](https://appshunter.io/ios/app/1fbusa-mobile/id1129711073)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Builds credit responsibly
- ✅ Payments go through quickly
- ✨ New app design is nice
- 🚀 App is easy to use
- ✅ Fingerprint sign-in works

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- Unable to log in
- Face ID/biometrics not working
- App logs users out unexpectedly
- Password not saved
- Transactions not displayed

**Requested features**

- 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


### 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 1FBUSA Mobile free?

1FBUSA Mobile 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, 1FBUSA Mobile or X1 Card?

X1 Card is rated higher. 1FBUSA Mobile averages 2.1 out of 5 from 125 ratings, while X1 Card averages 4.9 from 12K ratings.

### Do 1FBUSA Mobile or X1 Card have ads?

Neither 1FBUSA Mobile nor X1 Card shows ads.

### Which is updated more often, 1FBUSA Mobile or X1 Card?

1FBUSA Mobile ships an update every 6 weeks, and X1 Card every 10 days. Most recently, 1FBUSA Mobile was updated on October 24, 2026 and X1 Card on October 30, 2026.

---

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