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Best X1 Card Alternatives ranked by AI · updated Aug 2026

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X1 Card was a U.S. rewards credit card designed for digitally oriented consumers, with rewards, automated credit-limit decisions, and app-based controls. It offered a points-based rewards system and tools such as virtual cards and subscription management, but it no longer accepts new applications.

Developer: Robinhood (formerly X1) Price: No longer available 🎯 x1card.com
💰 Personal Finance Rewards credit cards cash back

Top 6 X1 Card alternatives

1

Robinhood Gold Card

Robinhood

💡 Pick it for the closest X1-style app experience and a higher flat-rate reward through Robinhood.

Robinhood Gold Card is a rewards credit card for Robinhood customers seeking elevated flat-rate rewards and app-based account management. It offers 3%...

Pros

  • Closest successor to X1 with a mobile-first Robinhood experience
  • 3% cash back is higher than X1's standard rewards rate
  • No separate card annual fee beyond the Gold membership

Cons

  • Requires a paid Robinhood Gold membership
  • Rewards are less compelling for people who do not use Robinhood
  • Newer product with a shorter operating history than major bank cards

$5/mo or $50/year for Robinhood Gold

Alternatives to Robinhood Gold Car... → Visit site
3

Savor

Capital One

💡 Pick it if your spending centers on dining, groceries, entertainment, and streaming rather than broad flat-rate rewards.

Savor is a no-annual-fee cash-back credit card for consumers who spend heavily on dining, entertainment, groceries, and streaming. It combines elevated category...

Pros

  • Strong category rewards without an annual fee
  • More predictable cash back than X1's variable points structure
  • Capital One offers a mature app and broad account ecosystem

Cons

  • Category rewards are narrower than X1's general-purpose points
  • Flat-rate rewards on non-bonus purchases are less competitive
  • Requires tracking which purchases qualify for elevated rewards

Free

Alternatives to Savor → Visit site
4

Chase Freedom Unlimited

JPMorgan Chase

💡 Pick it for dependable everyday cash back and a path into Chase's larger travel-rewards ecosystem.

Chase Freedom Unlimited is a no-annual-fee cash-back card for everyday household spending. It combines a base reward on most purchases with elevated...

Pros

  • Reliable base cash back across purchases
  • Can become more valuable when paired with a Chase travel-points card
  • Large issuer with extensive app, branch, and support infrastructure

Cons

  • Rewards are less simple than a single flat-rate card
  • Best travel value usually requires another Chase card
  • Foreign transaction fees make it weaker for international purchases

Free

Alternatives to Chase Freedom Unli... → Visit site
5

Wells Fargo Autograph

Wells Fargo

💡 Pick it if you want no-fee 3x rewards across travel, dining, transit, gas, streaming, and phone bills.

Wells Fargo Autograph is a no-annual-fee rewards card for consumers with recurring spending on travel, dining, gas, transit, streaming, and phone plans....

Pros

  • Broad 3x bonus categories cover more everyday purchases than X1's special thresholds
  • No annual fee and no foreign transaction fee
  • Useful for travel, dining, transit, and recurring bills on one card

Cons

  • Non-bonus spending earns less than the strongest flat-rate alternatives
  • Rewards require category awareness rather than X1-style broad earning
  • Travel-transfer value is less established than Chase or American Express

Free

Alternatives to Wells Fargo Autogr... → Visit site
6

Blue Cash Everyday

American Express

💡 Pick it if groceries, online shopping, and gas dominate your spending and you prefer simple statement-credit rewards.

Blue Cash Everyday is a no-annual-fee cash-back card aimed at households spending on U.S. supermarkets, online retail, and gas. It offers category-based...

Pros

  • Useful bonus categories for groceries, online retail, and gas
  • No annual fee and strong issuer account tools
  • Cash back is straightforward to redeem as statement credit

Cons

  • Category caps limit the highest reward rate
  • American Express acceptance can be weaker than Visa or Mastercard
  • Base rewards are less competitive outside bonus categories

Free

Alternatives to Blue Cash Everyday → Visit site

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