X1 Card
By Alex Compton · Last verified
The stainless steel startup card that became the Robinhood Gold Card.
Welcome Bonus
None recorded
Last recorded offer
Spend Requirement
None recorded
Last recorded requirement
Annual Fee
$0
Last recorded · No FTF
Credit Score
Income-based
underwriting, soft pull
Common Questions
Is the X1 Card discontinued?
Yes. Closed to new applicants after the Robinhood acquisition. The stainless steel startup card that became the Robinhood Gold Card.
What can I use instead of the X1 Card?
The closest open alternatives we track are the Capital One Savor, Chase Freedom Unlimited, Capital One Venture. Each links to our full review with its current offer and complete breakdown.
Open Alternatives
The X1 is gone, but these cards do a similar job and are still accepting applications.
3% on dining, groceries, entertainment and streaming. No fee.
1.5x on everything, and a points multiplier when paired with a Sapphire.
2x everywhere with real transfer partners for $95.
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2023-07 | 0 | No recorded spend | Terms reconfirmedRobinhood acquired X1 for about $95 million; no new applications | Archive record · no attached snapshot |
| 2021-12 | 0 | No recorded spend | Earliest recordGeneral availability after a long waitlist | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Historical record · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 2xAll purchases
- 3xAll purchases in years you spend $15,000+Plus limited-time 4x to 10x boost promotions
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦17 gram stainless steel Visa Signature with limits based on income, not credit score
- ✦Virtual cards that could auto-expire after free trials
- ✦Soft-pull application was years ahead of the industry
Why it earns its spot
- +2x to 3x everywhere was elite for a no-fee card
- +Smart limits gave high earners limits their thin files never could
Where it costs you
- −Closed to new applicants since the 2023 Robinhood acquisition
- −November 2025 nerf cut earning to 1.5x, killed boosts, and added late and cash advance fees
- −Point redemption values always lagged true cash back
The Compound Verdict
X1 proved a startup could out-design the banks, then sold to Robinhood in 2023 for roughly $95 million and became the foundation of the Robinhood Gold Card. Remaining X1 holders watched the card get nerfed to 1.5x with new fees in November 2025, with priority Gold Card invites as the consolation prize. If you still carry one, the upgrade path is the whole point now.
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