Credit.com vs X1 Card
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Credit.com
Manage your credit with a redesigned interface. Check your credit score and report summary for free, track factors affecting your credit, and receive personalized insights to improve your financial future. Monitor score changes and get actionable steps for improvement, all while protecting your data.
- Free credit score and report summary
- Track credit score changes
- Personalized insights for financial improvement
- Monitor for fraud and identity theft
- View credit offer eligibility
- Score history tracking
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Discover the brand-new Credit.com app—now with a completely redesigned interface to make managing your credit simpler, smarter, and more secure. Check your credit score and report summary for free, track what’s impacting your credit, and get personalized insights to help you build a stronger financial future. Updates every 14 days let you see how your score changes over time, while our tools and resources give you actionable steps to improve. Best of all, using the Credit.com app won’t hurt your score, and your data is protected at every step by industry-leading security. TRACK YOUR SCORES • Get your free credit score and credit report snapshot • Monitor updates every 14 days to stay on top of changes • Spot potential fraud or identity theft early • Watch your score history to see your progress GET PERSONALIZED OFFERS • See which credit cards, loans, or other products you’re more likely to qualify for • Compare offers matched to your unique credit standing—before you apply With a refreshed design, intuitive navigation, and trusted tools, the Credit.com app makes it easier than ever to take control of your credit.
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 ads: X1 Card at none against Credit.com's shown. X1 Card also leads on monetization model (free vs free with in-app purchases) and update cadence (every 10 days vs every 2 months). Credit.com's advantage is iOS requirement (13 vs 15.1). On price, rating, ratings volume and in-app purchases 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 4.7. Both are backed by a comparable volume of ratings — 7.2K and 12K respectively. Written reviews point the same way: 33% of Credit.com's written reviews are positive against 50% of X1 Card's.
Credit.com ships an update every 2 months, X1 Card every 10 days. The most recent releases landed on October 26, 2026 and October 28, 2026 respectively.
| Parameter | Credit.com | X1 Card |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (7.2K ratings) | 4.9 (12K ratings) — better |
| Positive reviews | 33.0% of reviews | 50.4% of reviews — better |
| Number of ratings | 7.2K | 12K — better |
| Update frequency | Every 2 months | Every 10 days — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13 — better | 15.1 |
| Further details — not scored | ||
| Size | 12 MB | 79 MB |
| Age rating | 4+ | 4+ |
| Developer | Credit.com | Robinhood Markets, Inc. |
Customer experience
Credit.com
X1 Card
User reviews
Credit.com
From 7.2K App Store ratingsWhat we love
- 🚀 Accurate and up-to-date information
- 👍 Easy to use and navigate
- 💡 Provides mortgage scores
Room to improve
- 🐛 Login issues and app crashes
- 🔍 Limited credit report details
- 💸 Subscription required for full features
X1 Card
From 12K App Store ratingsWhat 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
Credit.com
Reported bugs
3 issues- Unable to login or create an account
- App freezes or stops working after updates
- Inconsistent credit score updates
Requested features
3 requests- Fingerprint/biometric login
- More detailed credit report information
- Ability to dispute inaccuracies directly in the app
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
Credit.com
No in-app purchases
X1 Card
No in-app purchases
