SpectraDebit vs X1 Card
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SpectraDebit
Manage your debit card easily on the go. View transactions, report lost or stolen cards, set alerts, and enable travel notifications. Secure access with multi-factor authentication.
- View transactions
- Report lost/stolen card
- Set alerts and controls
- Set travel notifications
- Secure multi-factor authentication
- Card registration
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Brilliant Banking at your fingertips! Enjoy easy, on-the-go management of your Spectra Debit Card with Spectra Credit Union’s Debit Card Controls App. View recent and pending transactions, report your card lost or stolen, set alerts and controls, set travel notifications, and more! Card registration is a cinch from any mobile device and access is secure and protected by multi-factor authentication. Welcome to Brilliant Banking!
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
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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 SpectraDebit's 4.0. X1 Card also leads on ratings volume (12K vs 1) and update cadence (every 10 days vs every 2 months). 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 4.0. That said, the two scores are not equally well evidenced: X1 Card has 12K ratings behind it against 1, so its average is the more settled of the two.
SpectraDebit ships an update every 2 months, X1 Card every 10 days. The most recent releases landed on October 23, 2026 and October 28, 2026 respectively.
| Parameter | SpectraDebit | X1 Card |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (1 ratings) | 4.9 (12K ratings) — better |
| Positive reviews | — | 50.4% of reviews |
| Number of ratings | 1 | 12K — better |
| Update frequency | Every 2 months | Every 10 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 39 MB | 79 MB |
| Age rating | 4+ | 4+ |
| Developer | SPECTRA CREDIT UNION | Robinhood Markets, Inc. |
Customer experience
SpectraDebit
X1 Card
Bugs and requests
SpectraDebit
Not enough reviews yet to summarise bugs or requests.
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
SpectraDebit
No in-app purchases
X1 Card
No in-app purchases
