# X1 Card vs Settle

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.

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

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.

## The numbers

| Metric | X1 Card | Settle |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (12K ratings)](https://appshunter.io/ios/app/x1-card/id1581364879/reviews)** | — |
| Number of ratings | **12K** | — |
| Positive reviews | 50.4% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 10 days** | Every 4 months |
| Monetization | Free | — |
| Size | 79 MB | 5 MB |
| Requires iOS | **15.1** | 26.1 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Robinhood Markets, Inc.](https://appshunter.io/developer/938003184) | [Logan Whitcomb](https://appshunter.io/developer/1708323592) |

## What reviewers say

### 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


### Settle

[App page](https://appshunter.io/ios/app/settle-tip-calculator/id6776000029)

**Features:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases:** none


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