x1 review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
x1 suits US customers who want a virtual card with no monthly charge and cash back on everyday spend. The monthly fee is $0 and cashback sits at 3%, but the currency conversion fee of 3% sits high in the ranking.
Key facts
- Best for
- A virtual card in the US with a monthly fee of $0 and cashback of 3%.
- Monthly fee
- $0↗
- Currency conversion fee
- 3%↗
- Cashback rate
- 3%↗
- Card network
- Visa↗
- Legal entity
- Robinhood Credit, Inc.↗
- Headquarters
- United States↗
- Support channels
- Help-centre↗
- Features
- Virtual card
- Official website
- x1.co
Facts checked September 26, 2026, 2 sources
Pros and cons
Pros
- Virtual card (virtual card) with a monthly fee of $0 and cashback of 3%.
- Runs on Visa (visa), the network carried by most cards here (57.6%).
- A named issuer behind the card, Robinhood Credit, Inc., listed under a US NMLS licence (1781911).
Cons
- Currency conversion is the weak side: a fee of 3% puts x1 at 202 of 237 in the comparison.
- Support is a help centre only (help centre), with no live chat or phone line named.
Who it suits
- US customers who want a virtual card and a monthly fee of $0.
- Spenders who want cashback of 3% and who can avoid paying for currency conversion.
Who should look elsewhere
- Frequent currency converters, who should weigh Wise or Bitpanda instead, since the fee of 3% ranks 202 of 237.
- Anyone who wants a card posted out, as x1 offers a virtual card (virtual card), where Monzo Flex is the card-led alternative here.
Where it sits among rivals
On monthly fee, x1 sits 1 of 379 in the comparison, with a monthly fee of $0. On currency conversion it drops to 202 of 237, where the fee is 3%. The monthly price is not what separates x1 from the field; the conversion fee is.
Who runs it
x1 is run by Robinhood Credit, Inc., headquartered in the US (US). The card is listed under an NMLS licence, identifier 1781911, and runs on Visa (visa). Support comes through help centre, so help sits in written guidance rather than a person on the line.
How x1 compares
8.8 vs 9.4
8.8 vs 9.0
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8.8 vs 9.6
8.8 vs 9.0
8.8 vs 9.1Bitpanda lists a monthly fee of €0, so compare it on cashback and conversion instead of on holding the card.
8.8 vs 8.9
8.8 vs 8.1
8.8 vs 8.2
8.8 vs 9.5
8.8 vs 9.4
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.0
8.8 vs 8.9- 8.8 vs 8.8
8.8 vs 8.8
8.8 vs 8.6
8.8 vs 8.5
8.8 vs 8.3
Where x1 is available
- Available
- United States
- Licence in United States
- NMLS (1781911), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does it cost to hold the x1 card each month?+
The monthly fee is $0, so holding the card adds nothing to a monthly budget. That is the cheapest side of the account, and it is what lifts x1 to 1 of 379 here. The cost to watch sits on currency conversion instead.
What does it cost to convert currency on the card?+
The currency conversion fee is 3%. In the comparison that puts x1 at 202 of 237, well down the field, so anyone paying in another currency often will feel it. Spending in the currency the card holds avoids the charge.
Does the card pay cashback on spending?+
Cashback runs at 3% on the card, which pairs with a monthly fee of $0. Put together, the card costs nothing to hold and pays something back on everyday purchases, so regular use is where the value sits.
What kind of card is it, and what network does it run on?+
x1 offers a virtual card (virtual card) on the Visa network (visa), issued by Robinhood Credit, Inc.. A virtual card lives in an app rather than in the wallet, which suits anyone who does not want a piece of plastic posted out.
Who runs x1, and where is it based?+
The card is run by Robinhood Credit, Inc., with a headquarters in the United States. That legal entity is the name on the agreement, so anyone reading the terms finds it there rather than a trading name, and it is a US operation end to end.
Is x1 regulated and licensed?+
The card is listed under a US NMLS licence with identifier 1781911, held alongside a US headquarters (US). The licence record is the place to check the entity's standing, and it names the regulator directly.
How do I get help if something goes wrong?+
Support runs through help centre, the only channel listed for the card. That means self service answers in the help centre, with no live chat or phone line named. Anyone who wants a person on the line should weigh that before signing up.
How does x1 compare with rivals on cost?+
x1 ranks 1 of 379 on monthly fee and 202 of 237 on currency conversion. The first is a clean win for a card held all year; the second puts it behind rivals such as Wise and Bitpanda on converting.
Sources
- api.robinhood.com/creditcard/legal/interest-fees checked September 26, 2026
Backs: Currency conversion fee, Monthly fee
“Foreign Transactions - 3% of the U.S. dollar amount of each transaction made in a foreign currency.”
- cdn.robinhood.com/assets/robinhood/legal/rct_licenses_and... checked September 26, 2026
Backs: Licences
- x1.co checked September 26, 2026
Backs: Cashback rate, Features, Headquarters, Legal entity, Card network, Support channels
“3% cash back on all categories”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Card type, Protection.