# Credit.com vs X1 Card

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.

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.

## The numbers

| Metric | Credit.com | X1 Card |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (7.2K ratings)](https://appshunter.io/ios/app/creditcom/id871022793/reviews) | **[4.9 (12K ratings)](https://appshunter.io/ios/app/x1-card/id1581364879/reviews)** |
| Number of ratings | 7.2K | **12K** |
| Positive reviews | 33.0% of reviews | **50.4% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Every 10 days** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 12 MB | 79 MB |
| Requires iOS | **13** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Credit.com](https://appshunter.io/developer/871022796) | [Robinhood Markets, Inc.](https://appshunter.io/developer/938003184) |

## What reviewers say

### Credit.com

[App page](https://appshunter.io/ios/app/creditcom/id871022793)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 🚀 Accurate and up-to-date information
- 👍 Easy to use and navigate
- 💡 Provides mortgage scores

**What reviewers complain about**

- 🐛 Login issues and app crashes
- 🔍 Limited credit report details
- 💸 Subscription required for full features

**Reported bugs**

- Unable to login or create an account
- App freezes or stops working after updates
- Inconsistent credit score updates

**Requested features**

- Fingerprint/biometric login
- More detailed credit report information
- Ability to dispute inaccuracies directly in the app


### 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 Credit.com free?

Credit.com 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, Credit.com or X1 Card?

X1 Card is rated higher. Credit.com averages 4.7 out of 5 from 7.2K ratings, while X1 Card averages 4.9 from 12K ratings.

### Do Credit.com or X1 Card have ads?

Credit.com shows ads; X1 Card does not.

### Which is updated more often, Credit.com or X1 Card?

Credit.com ships an update every 2 months, and X1 Card every 10 days. Most recently, Credit.com was updated on October 26, 2026 and X1 Card on October 28, 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.*