# Aven Card vs X1 Card

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.

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 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.

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

## The numbers

| Metric | Aven Card | X1 Card |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (9.6K ratings)](https://appshunter.io/ios/app/aven-card/id1541705487/reviews)** | [4.9 (12K ratings)](https://appshunter.io/ios/app/x1-card/id1581364879/reviews) |
| Number of ratings | 9.6K | **12K** |
| Positive reviews | **69.4% of reviews** | 50.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 10 days** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 37 MB | 79 MB |
| Requires iOS | **14.0** | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Aven Financial](https://appshunter.io/developer/1541705489) | [Robinhood Markets, Inc.](https://appshunter.io/developer/938003184) |

## What reviewers say

### Aven Card

[App page](https://appshunter.io/ios/app/aven-card/id1541705487)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- App stuck on loading screen for some users
- Occasional app crashes

**Requested features**

- Improve login process with more seamless biometric integration
- Increase daily spending limit


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