X1 Card
By Alex Compton · Last verified
The stainless steel startup card that became the Robinhood Gold Card.
Welcome Bonus
None
Closed to new applicants after the Robinhood acquisition
Spend Requirement
None
Annual Fee
$0
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, Bilt Mastercard, Chase Freedom Unlimited. 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.
The only card that earns points on rent with no fee.
1.5x on everything, and a points multiplier when paired with a Sapphire.
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 2xAll purchases
- 3xAll purchases in years you spend $15,000+
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦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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