Capital One SavorCapital One
Terms checked 2026-10-23
No-annual-fee cash back on eligible food, entertainment and streaming purchases
$200 bonus (≈$200)AF: $0Rating: 8.5/10
X1 Card
By Alex Compton · Last verified
Closed to new applicants; existing X1 accounts are separate from Robinhood Gold Card.
★ 5.0/10RobinhoodpersonalX1 Points
Closed to new applicantsBest for: Existing X1 cardholders researching account and rewards changes
Is X1 discontinued or still usable?
New applicants are directed to Robinhood Gold Card: the X1 homepage now redirects there. That is different from closing every existing X1 account. Robinhood’s support page says X1 and Gold Card remain separate cards, and obtaining Gold Card does not affect an existing X1 account. Check your own account notices for restrictions or changes.
Robinhood guidance for X1 cardholdersThe published X1 earning rate is 1.5 points per dollar
X1’s rewards rules, updated October 6, 2025, list 1.5 points per dollar on eligible purchases. Older 2x–3x descriptions are not the published standard now. Points are not automatically equivalent to a fixed cash-back percentage: the app’s Rewards tab shows available redemptions, which can change. Cash advances, balance transfers, fees and cash-like transactions do not earn purchase rewards.
X1 rewards rulesFees: standard X1 and X1+ are different
The October 6, 2025 fee table lists annual fees from $0 to $75, identifying a $75 X1+ package. It lists no foreign transaction fee, late and returned-payment fees up to $40, a 2% balance-transfer fee, and cash advances at the greater of $10 or 5%. APR is variable; use your statement rather than treating an old published percentage as a current quote.
X1 cardholder agreement and fee tableManaging an existing X1 account
Use the X1 app and the contact details on your statement for account-specific help. X1’s electronic disclosures describe notices delivered through the app or email. A marketing-site redirect is not a substitute for those notices. Keep contact details current and review any change-in-terms message before changing payments or closing an account.
X1 electronic communications disclosuresCheck points before closing the account
The rewards rules generally forfeit unused points when an account closes. They give qualifying New York residents 90 days, with exclusions for fraud, misuse, abuse or violations of account terms. Confirm your redemption options and applicable notice before closing; do not assume points will transfer to a Gold Card.
X1 account-closure rewards rulesWhat Robinhood acquired
Robinhood announced the X1 acquisition in June 2023 and confirmed it closed on July 3, 2023. The announcement described expected consideration of about $95 million. That corporate transaction does not establish an application-closing date or an automatic conversion of every X1 account.
Robinhood acquisition announcement and closing updateReview details and sources updated 2026-10-23
This review covers the legacy product and existing-cardholder guidance. The original record date is separate from the scoped source checks below.
Welcome Bonus
None recorded
Last recorded offer
Spend Requirement
None recorded
Last recorded requirement
Annual Fee
$0
Last recorded · No FTF
Credit Score
Not
applicable: no current public X1 application
Common Questions
Can I still apply for an X1 Card?
The public X1 homepage redirects to Robinhood Gold Card. We found no current public X1 application; Gold Card has its own application and eligibility requirements.
Will getting a Robinhood Gold Card close my X1 account?
Robinhood says the cards are separate and getting Gold Card does not affect an existing X1 account. Follow any account-specific notices you receive.
Does X1 still earn 2x or 3x points?
The published rewards rules list 1.5 points per dollar on eligible purchases. Check the X1 app for redemption choices and any account-specific offer.
Is the X1 Card issued by Robinhood?
The X1 agreement names Coastal Community Bank as issuer and X1 as servicer. Robinhood acquired the X1 company in July 2023.
Where should existing X1 cardholders check account notices?
Check the X1 app, registered email and your statement. The public homepage’s Gold Card redirect does not replace account-specific communications.
Open Alternatives
The X1 Card is no longer open to new applicants. Compare these cards for a similar use.
Terms checked 2026-11-02
1.5x on everything, and a points multiplier when paired with a Sapphire.
20,000 pts bonus (≈$200)AF: $0Rating: 8.4/10
Capital One VentureCapital One
Terms checked 2026-10-12
2x everywhere with real transfer partners for $95.
75,000 pts bonus (≈$1,350)AF: $95Rating: 8.4/10
Historical Offers Chart
Dated offer history for this product, which is closed to new applicants.
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 |
|---|---|---|---|---|
| 2026-10 | 0 | No recorded spend | Terms reconfirmedPublic X1 site redirects to Gold Card. Robinhood says existing X1 and Gold Card accounts are separate. | Primary source → |
| 2023-07 | 0 | No recorded spend | Terms reconfirmedRobinhood completed the X1 acquisition July 3, 2023. This does not establish an application-closing date. | Primary source → |
| 2021-12 | 0 | No recorded spend | Earliest recordLegacy launch snapshot; not a current application offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
Public homepage redirected to Robinhood Gold Card; no new public X1 application was found. This does not establish closure of existing accounts.
Fields: discontinuedLabel, editorialReview
X1 public homepage redirect → - changed
Confirmed July 3, 2023 acquisition close; removed the unsupported assertion that applications closed on the acquisition date.
Fields: currentOffer, offerHistory, editorialReview
Robinhood X1 acquisition and closing announcement → - confirmed
Confirmed app/email delivery of account communications; directs existing customers to their own notices.
Fields: editorialReview
X1 electronic communications consent → - confirmed
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.
Fields: applyUrl, benefits, editorialReview
X1 cardholder agreement and fee table → - changed
Replaced unsupported old earning callouts with the published 1.5 points per eligible dollar; distinguished points from fixed cashback and documented account-closure rules.
Fields: earningRates, cons, editorialReview
X1 published rewards rules, updated October 6, 2025 → - changed
Corrected the implication of automatic conversion: Robinhood describes X1 and Gold Card as separate accounts.
Fields: tagline, ourTake, editorialReview, offerHistory
Robinhood guidance for existing X1 cardholders →
Historical record · spot an outdated offer? Report a correction above.
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Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 1.5xEligible purchases under the published X1 rewards rulesTerms dated October 6, 2025, checked October 23, 2026. This is points per dollar, not a fixed cash-back percentage.
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.
- ✦X1 app for rewards information and account communications
- ✦Published fee table lists no foreign transaction fee
Why it earns its spot
- +Existing-account guidance remains available from official sources
- +Standard X1 and X1+ fees can be checked in the published agreement
Where it costs you
- −No current public X1 application found
- −Published earning terms differ from older 2x–3x descriptions
- −Redemption options can change; check the app before valuing points
The Compound Verdict
Existing cardholders should evaluate their X1 account on its own fees, usable rewards and account notices. Getting a Gold Card is a separate decision, not an automatic X1 conversion. Check the published 1.5-point earning rules and your available redemptions before relying on an older review.
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