# Cardless vs X1 Card

Cardless and X1 Card both sit at 4.9 stars, but that hides the real split: 61% of Cardless's written reviews are positive against 50% of X1 Card's. X1 Card's advantage is update cadence (every 10 days vs every 3 weeks). On price, rating, ratings volume and ads there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.9 for Cardless against 4.9 for X1 Card. Both are backed by a comparable volume of ratings — 9.5K and 12K respectively. Written reviews are what separate them: 61% of Cardless's written reviews are positive against 50% of X1 Card's.

Cardless ships an update every 3 weeks, X1 Card every 10 days. Both last shipped on October 22, 2026.

## The numbers

| Metric | Cardless | X1 Card |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (9.5K ratings)](https://appshunter.io/ios/app/cardless/id1532270655/reviews) | **[4.9 (12K ratings)](https://appshunter.io/ios/app/x1-card/id1581364879/reviews)** |
| Number of ratings | 9.5K | **12K** |
| Positive reviews | **61.3% of reviews** | 50.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 10 days** |
| Monetization | Free | Free |
| Size | 54 MB | 79 MB |
| Requires iOS | 15.1 | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Cardless, Inc.](https://appshunter.io/developer/1532270657) | [Robinhood Markets, Inc.](https://appshunter.io/developer/938003184) |

## What reviewers say

### Cardless

[App page](https://appshunter.io/ios/app/cardless/id1532270655)

Access credit cards from popular brands directly on your phone. View balances, transactions, and rewards, and make payments with enhanced security and transparency. Receive real-time notifications for account activity.

**Highlights:** Mobile credit card access, View balance and transactions, Redeem rewards, Make payments, Biometric security, Transaction notifications

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Simple and easy to navigate
- 👍 Convenient and user-friendly
- 👍 Excellent customer service
- 👍 Secure payment method
- 👍 Smooth and intuitive UI

**What reviewers complain about**

- 🐛 Account freezing issues
- 🐛 Payment processing problems
- 🐛 Declined transactions
- 🔒 Security and privacy concerns with Plaid integration
- 🔒 Lack of direct bank account integration

**Reported bugs**

- Add to wallet feature not working
- Login issues with Face ID on newer devices

**Requested features**

- Connect with Qatar Airways loyalty program
- Improve rewards program and redemption options


### 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 Cardless free?

Cardless 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, Cardless or X1 Card?

X1 Card is rated higher. Cardless averages 4.9 out of 5 from 9.5K ratings, while X1 Card averages 4.9 from 12K ratings.

### Do Cardless or X1 Card have ads?

Neither Cardless nor X1 Card shows ads.

### Which is updated more often, Cardless or X1 Card?

Cardless ships an update every 3 weeks, and X1 Card every 10 days. Most recently, Cardless was updated on October 22, 2026 and X1 Card on October 22, 2026.

---

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