Comparison

X1 Card vs Settle

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
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.

About

Settle

Features
Read full description

Settle makes splitting the bill and tracking IOUs effortless. Tip Calculator Calculate the tip in seconds. Choose 15%, 18%, 20%, 25%, or enter a custom percentage. Split between any number of people instantly. Enable smart rounding to round each share up to the nearest dollar — no awkward change. IOU Tracker Log who owes who, add a description, and mark debts as settled when you're done. Settle automatically calculates the running net balance per person, so if you have multiple IOUs with the same person it shows what's actually owed. Syncs across your devices with iCloud. No account. No login. Just open it and go.

Screenshots

X1 Card3 screens
Settle4 screens

Verdict

The call

The clearest difference is ads: X1 Card at none against Settle's shown. X1 Card also leads on update cadence (every 10 days vs every 4 months) and iOS requirement (15.1 vs 26.1). On price, in-app purchases and device support 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.

UpkeepUpdate frequency

X1 Card ships an update every 10 days, Settle every 4 months. The most recent releases landed on November 10, 2026 and October 31, 2026 respectively.

Scorecard3 real differences · 7 level
X1 Card versus Settle: the parameters behind the verdict, then further details
ParameterX1 CardSettle
PriceFreeFree
Rating4.9 (12K ratings) — better—
Positive reviews50.4% of reviews—
Number of ratings12K — better—
Update frequencyEvery 10 days — betterEvery 4 months
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPod — betteriPhone
Requires iOS15.1 — better26.1
Further details — not scored
Size79 MB5 MB
Age rating4+4+
DeveloperRobinhood Markets, Inc.Logan Whitcomb

Bugs and 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

Settle

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

X1 Card

No in-app purchases

None

Settle

No in-app purchases

Questions

Is X1 Card free?
X1 Card is free to download, with no in-app purchases.
Is Settle free?
Settle is free to download, with no in-app purchases.
Do X1 Card or Settle have ads?
Settle shows ads; X1 Card does not.
Which is updated more often, X1 Card or Settle?
X1 Card ships an update every 10 days, and Settle every 4 months. Most recently, X1 Card was updated on November 10, 2026 and Settle on October 31, 2026.

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