x1 review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
x1 centres its credit card on disposable virtual numbers and cover for interrupted trips alongside rewards. The arrangement works for families who need cards for every age with limits set centrally and instant lock when a card goes astray under one shared account.
Key facts
Credit cards
- Annual fee
- $0↗
- APR
- 29.99%↗
- Currency conversion fee
- 3%↗
- Rewards type
- Cashback↗
- Rewards rate
- 3% cash back on all categories↗
- Balance transfer fee
- 0%↗
- Perks
- Trip interruption protection, Virtual/disposable card numbers, Family cardholders of any age with spending limits and instant card lock, Stainless steel card (17 g), No authorized user fee↗
- Cashback rate
- 3%↗
- Card kind
- Credit↗
- Pricing model
- No annual fee
Facts checked September 26, 2026, 3 sources
Pros
Pros
- Disposable virtual numbers give added cover for online card use
- Household members of every age can be added with spending limits
- Cover for interrupted trips sits alongside rewards on the card
Who it suits
- Families seeking shared cards with central spending limits
- Online buyers seeking disposable numbers for safer spending
How x1 compares
Frequently asked questions
What kind of card does x1 offer?+
x1 offers a credit card that comes with virtual numbers for online spending that can be replaced. It also includes cover for interrupted trips and rewards, and the physical card uses stainless steel with instant lock.
What rewards does x1 offer?+
x1 offers rewards on its credit card for everyday spending. The card pairs those rewards with protection when a trip is interrupted plus disposable numbers, which gives households extra control across shared online and travel spending.
Who can use a family card from x1?+
Relatives of all ages can hold a card linked to the main account. Each cardholder gets spend controls set by the account holder, and any card can be locked instantly when it goes missing.
Which company operates x1?+
x1 is operated by Robinhood Credit, Inc.. (Source, checked September 26, 2026)
Where is x1 based?+
x1 is based in United States. (Source, checked September 26, 2026)
How can I contact x1 support?+
x1 offers support through Email, Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- api.robinhood.com/creditcard/legal/interest-fees checked September 26, 2026
Backs: Annual fee, APR, Balance transfer fee, Card kind, Currency conversion fee
“Robinhood Gold Visa Card ... Annual Fee: None with Robinhood Gold membership.”
- play.google.com/store/apps/details checked September 26, 2026
Backs: Headquarters, Support channels
“85 Willow Rd Menlo Park, CA 94025-3656 United States”
- x1.co checked September 26, 2026
Backs: Cashback rate, Features, Legal entity, Pricing model, Perks, Rewards rate, Rewards type
“3% cash back across the board ... 3% cash back on all categories”
Compiled from 3 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Wallet type, Price, Custody, Coins supported.