Comparison

Aven Card 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

Aven Card

This app offers a unique credit card that leverages your home equity, providing a secure and convenient way to manage your finances directly from your phone. Access your funds, track transactions, and manage your account with ease.

Highlights
  • Unlock home equity with a credit card
  • Manage card from your phone
  • Check balance and transaction history
  • Pay bills and view payment activity
  • Set up notifications and security features
  • Instant decisions and 100% online process
Features
Read full description

Aven is the world’s first credit card that unlocks your home equity. Save time, effort, and money, all right from your phone. Get low rates with your home. Decision in minutes. 100% online. The Aven app is the EASIEST and most SECURE way to manage your Aven Card. Using TouchID, or FaceID, you can instantly check your card balance, transaction history, pay bills, view payment activity, set up notifications, set up security — and more. Other banks have used access/debit cards as a means of withdrawing money from a home equity line, Aven’s card is unique in that the credit card is the primary source of funds and function. It is the first credit card backed by home equity to publicly launch into the market. Aven Visa Credit Cards are issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289.

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

Aven Card4 screens
X1 Card3 screens

Verdict

The call

The clearest difference is monetization model: X1 Card at free against Aven Card's free with in-app purchases. X1 Card also leads on update cadence (every 10 days vs every 3 weeks). Aven Card's advantage is review sentiment (69% vs 50%). On price, rating, ratings volume and ads 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

On the App Store both sit at effectively the same score — 4.9 for Aven Card against 4.9 for X1 Card. Both are backed by a comparable volume of ratings — 9.6K and 12K respectively. Written reviews are what separate them: 69% of Aven Card's written reviews are positive against 50% of X1 Card's.

UpkeepUpdate frequency

Aven Card ships an update every 3 weeks, X1 Card every 10 days. Both last shipped on October 29, 2026.

Scorecard3 real differences · 7 level
Aven Card versus X1 Card: the parameters behind the verdict, then further details
ParameterAven CardX1 Card
PriceFreeFree
Rating4.9 (9.6K ratings) — better4.9 (12K ratings)
Positive reviews69.4% of reviews — better50.4% of reviews
Number of ratings9.6K12K — better
Update frequencyEvery 3 weeksEvery 10 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS14.0 — better15.1
Further details — not scored
Size37 MB79 MB
Age rating4+4+
DeveloperAven FinancialRobinhood Markets, Inc.

Customer experience

Aven Card

All ratings9,521 ratings
Positive98.3%
Neutral1.1%
Negative0.6%
Written reviews72 reviews
Positive69.4%
Neutral5.6%
Negative25.0%

X1 Card

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

User reviews

Aven Card

From 9.6K App Store ratings

What we love

  • 🚀 Quick and easy process
  • 👍 Streamlined lending experience
  • 💰 Helps consolidate debt and lower interest rates
  • 🏠 Allows accessing home equity
  • 🤑 Provides needed cash for expenses

Room to improve

  • 🔒 Concerns about security with multiple login steps
  • 💳 Low daily spending limit

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

Aven Card

Reported bugs

2 issues
  • App stuck on loading screen for some users
  • Occasional app crashes

Requested features

2 requests
  • Improve login process with more seamless biometric integration
  • Increase daily spending limit

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

Aven Card

No in-app purchases

None

X1 Card

No in-app purchases

Questions

Is Aven Card free?
Aven Card 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, Aven Card or X1 Card?
Aven Card is rated higher. Aven Card averages 4.9 out of 5 from 9.6K ratings, while X1 Card averages 4.9 from 12K ratings.
Do Aven Card or X1 Card have ads?
Neither Aven Card nor X1 Card shows ads.
Which is updated more often, Aven Card or X1 Card?
Aven Card ships an update every 3 weeks, and X1 Card every 10 days. Most recently, Aven Card was updated on October 29, 2026 and X1 Card on October 29, 2026.

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