{"card":{"slug":"x1-card","name":"X1 Card","issuer":"robinhood","currency":"X1 Points"},"status":"historical","lastVerified":"2026-06-11","officialSource":"https://x1creditcard.com/legal/program-terms","history":[{"date":"2021-12","bonus":0,"spend":0,"months":0,"note":"Legacy launch snapshot; not a current application offer"},{"date":"2023-07","bonus":0,"spend":0,"months":0,"note":"Robinhood completed the X1 acquisition July 3, 2023. This does not establish an application-closing date.","sourceUrl":"https://robinhood.com/newsroom/robinhood-signs-agreement-to-acquire-x1/"},{"date":"2026-10","bonus":0,"spend":0,"months":0,"note":"Public X1 site redirects to Gold Card. Robinhood says existing X1 and Gold Card accounts are separate.","sourceUrl":"https://robinhood.com/us/en/support/articles/apply-for-robinhood-credit-card/"}],"verificationEvents":[{"id":"7d3e7391-81f9-4a94-b78f-e9b22a8155a6","entityType":"card","slug":"x1-card","checkedAt":"2026-10-23T06:04:00.051Z","recordedAt":"2026-10-23T06:04:00.051Z","sourceUrl":"https://x1creditcard.com/","sourceLabel":"X1 public homepage redirect","outcome":"confirmed","summary":"Public homepage redirected to Robinhood Gold Card; no new public X1 application was found. This does not establish closure of existing accounts.","changedFields":["discontinuedLabel","editorialReview"],"previousHash":"a4c2c4684b126fbd1a481dfbe75150eaba07db9ab2e9c08d0da433b1aea0bd3e","recordHash":"2facbd8f0aed7ae45a9002ee0ae059eda67bae53c48d0e9ce9c2ec490b956829"},{"id":"3ee0f31c-e4a2-4591-8de8-a1dca0405a8e","entityType":"card","slug":"x1-card","checkedAt":"2026-10-23T06:03:59.980Z","recordedAt":"2026-10-23T06:03:59.980Z","sourceUrl":"https://robinhood.com/newsroom/robinhood-signs-agreement-to-acquire-x1/","sourceLabel":"Robinhood X1 acquisition and closing announcement","outcome":"changed","summary":"Confirmed July 3, 2023 acquisition close; removed the unsupported assertion that applications closed on the acquisition date.","changedFields":["currentOffer","offerHistory","editorialReview"],"previousHash":"f2832d63159e362d94015c9df014b319a5bbd3fe438612cb9108bf115c96f5a2","recordHash":"a4c2c4684b126fbd1a481dfbe75150eaba07db9ab2e9c08d0da433b1aea0bd3e"},{"id":"7c0985e0-732a-4b8c-b34b-98a2e9dca87d","entityType":"card","slug":"x1-card","checkedAt":"2026-10-23T06:03:59.907Z","recordedAt":"2026-10-23T06:03:59.908Z","sourceUrl":"https://x1creditcard.com/legal/electronic-disclosures","sourceLabel":"X1 electronic communications consent","outcome":"confirmed","summary":"Confirmed app/email delivery of account communications; directs existing customers to their own notices.","changedFields":["editorialReview"],"previousHash":"cb2d8be0ee2ab539f390b3ed823ba4f9ab2ae99933e3adb1143a6a9264cc5e40","recordHash":"f2832d63159e362d94015c9df014b319a5bbd3fe438612cb9108bf115c96f5a2"},{"id":"6b502b02-d7d4-4831-bfe9-90ec8eabe779","entityType":"card","slug":"x1-card","checkedAt":"2026-10-23T06:03:59.836Z","recordedAt":"2026-10-23T06:03:59.837Z","sourceUrl":"https://x1creditcard.com/legal/program-terms","sourceLabel":"X1 cardholder agreement and fee table","outcome":"confirmed","summary":"Confirmed Coastal Community Bank as issuer, separate standard/X1+ fee treatment and selected transaction/penalty fees. Variable APR is not represented as a current numeric quote.","changedFields":["applyUrl","benefits","editorialReview"],"previousHash":"e47431df58605f82e2294348d98419b7e7ed816912f8dc1d370e57139c049f1b","recordHash":"cb2d8be0ee2ab539f390b3ed823ba4f9ab2ae99933e3adb1143a6a9264cc5e40"},{"id":"413a386f-9050-4cf4-ae2a-aef09885c2fc","entityType":"card","slug":"x1-card","checkedAt":"2026-10-23T06:03:59.765Z","recordedAt":"2026-10-23T06:03:59.766Z","sourceUrl":"https://x1creditcard.com/legal/reward-terms","sourceLabel":"X1 published rewards rules, updated October 6, 2025","outcome":"changed","summary":"Replaced unsupported old earning callouts with the published 1.5 points per eligible dollar; distinguished points from fixed cashback and documented account-closure rules.","changedFields":["earningRates","cons","editorialReview"],"previousHash":"91a10829320f7502242a256361fbd1424a4bd5ff5edda3299e97384cb11f9e72","recordHash":"e47431df58605f82e2294348d98419b7e7ed816912f8dc1d370e57139c049f1b"},{"id":"2fc545fe-d91b-48d2-b6f2-a564583e04d6","entityType":"card","slug":"x1-card","checkedAt":"2026-10-23T06:03:59.692Z","recordedAt":"2026-10-23T06:03:59.693Z","sourceUrl":"https://robinhood.com/us/en/support/articles/apply-for-robinhood-credit-card/","sourceLabel":"Robinhood guidance for existing X1 cardholders","outcome":"changed","summary":"Corrected the implication of automatic conversion: Robinhood describes X1 and Gold Card as separate accounts.","changedFields":["tagline","ourTake","editorialReview","offerHistory"],"previousHash":"521633b7347a8e8383b14f5a4d135e6e8e5d04cbe09fd5040f7430bb3543ec70","recordHash":"91a10829320f7502242a256361fbd1424a4bd5ff5edda3299e97384cb11f9e72"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}