X1, a renowned fintech company, revolutionizes the credit industry with its innovative, smart credit card created using high-grade stainless steel. Embedded with smart features, the sleek X1 card promises dynamic credit limits and a profound rewards program, aiming to redefine consumers' spending experience. The industry, home to various key players offering distinctive credit/digital payment solutions, observes fierce competition. The modern credit industry is surging towards innovation, efficiency, and customer-centric services, nudging companies to strategically upgrade their offerings, ensuring they remain at the forefront. Emergence of companies like X1 indicates a promising change in the industry's horizon, where technological innovation meets financial services.
Top 25 X1 competitors
1. X1 Card
- Website: x1creditcard.com
- Headquarters: San Francisco, California, United States
- Headcount: 11-50
X1 Card is a credit card that offers smart features and benefits. It allows users to earn points on purchases, provides zero liability protection, and offers perks like extended warranty protection.
2. Cheddar
- Website: cheddar.me
- Headquarters: London, Noord-Holland, United Kingdom
- Founded: 2020
- Headcount: 11-50
Cheddar.me offers cashback to customers when they shop at leading UK brands. Customers can link their existing debit and credit cards to the Cheddar app to earn up to 20% cashback on eligible purchases. The app provides updated offers based on the customer's spending preferences.
3. Standard Chatered
- Website: standardchartered.co.in
- Headquarters: Secunderabad, Telangana, India
- Headcount: 11-50
Standard Chartered is a financial institution that provides banking services in India. They offer a wide range of products including savings accounts, debit cards, fixed deposits, mortgages, remittance services, and investment options.
4. Step
- Website: step.com
- Headquarters: Palo Alto, California, United States
- Founded: 2018
- Headcount: 51-200
- Latest funding type: Debt Financing
Step is a financial technology company that offers a spending card designed to grow with individuals. It provides a Step Visa Card with built-in fraud protection and Zero Liability² guarantee for unauthorized charges, allowing users to pay with flexibility and save money. The company also offers banking services, including savings accounts and early paycheck access. Step helps users build credit with everyday purchases and offers rewards programs and cash bonuses for referrals. It is not a bank but works with Evolve Bank & Trust. Step aims to provide financial freedom to the next generation.
5. Marble
- Website: marblepay.com
- Headquarters: New York, New York, United States
- Founded: 2020
- Headcount: 11-50
- Latest funding type: Series Unknown
MarblePay.com is a platform that allows members to manage, pay, and earn rewards on their existing insurance policies. With Marble, users can save money, unlock personalized offers, and earn up to 5% back on their insurance. It offers a seamless digital wallet for all insurance needs.
6. Prepaid Technologies
- Website: in-prepaid.com
- Headquarters: Birmingham, Alabama, United States
- Founded: 1998
- Headcount: 51-200
- Latest funding type: Private Equity
In-Prepaid.com is a digital payment solutions company that provides value-added services to customers, employees, and partners. They offer a cost-effective platform with a robust suite of products for streamlining payment processes. The company recently rebranded as Dash Solutions, combining their expertise with WorkStride to deliver rewards and incentive programs.
7. Cred
- Website: cred.club
- Headquarters: Bengaluru, Karnataka, India
- Founded: 2018
- Headcount: 501-1000
- Latest funding type: Series F
CRED is a members only credit card bill payment platform that rewards its members for clearing their credit card bills on time. Members get access to exclusive rewards and experiences from premier brands upon clearing their credit card bills on CRED.
8. RCBC Bankard Services Corporation
- Website: rcbcbankard.com
- Headcount: 201-500
RCBC Bankard offers credit cards with privileges that make shopping more rewarding, secure, and fun. They provide a wide range of credit cards, including premium, co-branded, and secured cards. Customers can enjoy features like contactless payment, EMV chip technology, and virtual cards. The company prioritizes security and offers services like credit protect plus and enhanced security measures.
9. Cardgorilla
- Website: card-gorilla.com
- Headquarters: Seoul, Seoul-T&S;Ukpyolsi, Korea (the Republic of)
- Founded: 2010
- Headcount: 11-50
Card-Gorilla is a platform that offers personalized credit card recommendations and management tools for individuals and businesses.
10. Rise.ai
- Website: rise.ai
- Headquarters: Tel Aviv, Israel, Israel
- Founded: 2015
- Headcount: 11-50
- Latest funding type: Acquired
Rise.ai is a company that offers solutions for gift cards, loyalty programs, referrals, and refunds & returns. They provide a seamless and intuitive platform for businesses to enhance customer engagement and increase customer lifetime value.
11. Apandor
- Website: poinest.jp
- Headcount: 51-200
Poinest is a point app for shops that can be used easily on smartphones. Users can accumulate points and stamps easily, and can also use special coupons that are only available on the app.
12. Pex
- Website: pexcard.com
- Headquarters: New York, New York, United States
- Founded: 2006
- Headcount: 51-200
- Latest funding type: Series B
PEX is a financial technology company that provides virtual cards, expense management solutions, and customizable loyalty programs. Their platform helps businesses streamline spending, simplify reconciliations, and manage vendor payments. PEX offers services such as virtual vendor cards, employee incentives, cash and check reimbursem*nt, and grant disbursem*nts.
13. Dosh
Dosh is a company that offers a mobile app for users to earn cashback on everyday purchases. By linking their credit or debit card to the app, customers can automatically earn cash rewards when making qualified purchases. The app also provides deals and discounts from various retailers and brands.
14. B2Bpay
- Website: b2bpay.com.au
- Headquarters: Sydney, Nsw, Australia
- Founded: 2017
- Headcount: 51-200
B2Bpay is a platform that makes it easy for businesses to pay invoices and get paid. It offers a secure online solution that accepts all cards and bank accounts, and allows businesses to earn Qantas Points for every payment made. B2Bpay also provides a range of benefits, including faster payments, no set up or ongoing fees, and the ability to receive over 7% value on expenses paid.
15. Xtra Gifting Ecosystem
- Website: xtragift.com
- Headquarters: Dhaka, Dhaka, Bangladesh
- Founded: 2018
- Headcount: 11-50
Xtra is a digital gift card business solution for banks, merchants, corporates, agents, and distributors.
16. Ness
- Website: nesswell.com
- Headquarters: New York, New York, United States
- Founded: 2021
- Headcount: 11-50
- Latest funding type: Seed
NessWell.com offers a credit card called Ness Card, which functions as a charge card with no APR and a full monthly balance due. They provide various rewards programs and statement credits for wellness-related purchases, travel, and other services. The company aims to support health and wellness through partnerships with reliable brands and extensive research-based content.
17. mallpay
- Website: mallpay.cz
- Headquarters: Prague 7, Prague, Czechia
- Founded: 2018
- Headcount: 51-200
- Latest funding type: Seed
Mallpay.cz is a payment service that allows customers to make purchases online and in-store using a prepaid card. They offer deferred payment options and rewards for every purchase. With their mobile app, customers can easily confirm transactions and access exclusive offers. Mallpay.cz also provides money transfers, extended product warranties, and purchase protection. They cater to a wide range of customers, including individuals and businesses.
18. Bilt Rewards
- Website: biltrewards.com
- Headquarters: New York, New York, United States
- Founded: 2021
- Headcount: 11-50
- Latest funding type: Series B
Bilt Rewards is a company that offers rewards and benefits through its Bilt Mastercard. They provide a platform for users to earn rewards on their rent payments and use them towards future purchases.
19. PayForward
- Website: payforward.com
- Headquarters: Valencia, California, United States
- Founded: 2013
- Headcount: 51-200
- Latest funding type: Series Unknown
PayForward is a company that offers a rewards program for BlueCross BlueShield policyholders. Through their program, members can earn reward dollars by participating in wellness activities such as flu shots and telehealth visits. These reward dollars can be used for various purposes. They provide support services for registration and general program inquiries.
20. Eve Financial
- Website: eve.co
- Headquarters: Lehi, Utah, United States
- Founded: 2019
- Headcount: 11-50
- Latest funding type: Seed
Eve.co is a financial empowerment company that offers a banking app and credit card services. With their Eve Card, customers can enjoy 4 months of 0% APR on every purchase they make, forever. They provide flexible payment options and rewards, allowing customers to pay in full monthly and get cash back or pay over time with 0% APR. Eve.co also offers benefits such as personal care, home repair, and pet healthcare. They aim to make unexpected expenses more manageable and provide a different kind of card that cares.
21. Envisant
- Website: envisant.com
- Headquarters: Naperville, Illinois, United States
- Founded: 1969
- Headcount: 51-200
Envisant is a company that provides credit and debit solutions, prepaid ATM/networks, collection services, and portfolio development for credit unions. They offer a forward-thinking product strategy, including CUMONEY® Prepaid Visa® programs, ATM services, and more. Envisant aims to help credit unions achieve their vision by providing expertise and support.
22. Swipii
- Website: swipii.com
- Headquarters: Glasgow, Scotland, United Kingdom
- Founded: 2015
- Headcount: 11-50
- Latest funding type: Series Unknown
Swipii is a loyalty program platform that enables customers to collect digital vouchers, called v£, when they use their normal debit and credit cards at participating retailers. These v£ can be redeemed for discounts on future purchases at those retailers.
23. WageSplitter
- Website: wagesplitter.com
- Headquarters: North Sydney, New South Wales, Australia
- Founded: 2021
- Headcount: 11-50
WageSplitter is Australia’s practical and rewarding employee benefits platform. It allows employees to access their earned wages when needed, without credit card surcharges or uncomfortable discussions. The platform offers shopping rewards and the option to send gift cards. WageSplitter aims to make life easier for all employees by providing frictionless and instant benefits.
24. Billhop AB
- Website: billhop.com
- Headquarters: Stockholm, Stockholms Lan, Sweden
- Founded: 2013
- Headcount: 11-50
- Latest funding type: Series Unknown
Billhop is a payment service that enables businesses and individuals to pay their invoices online using their credit card. They offer a secure platform regulated by the Financial Conduct Authority, providing industry best-in-class security standards. With Billhop, users can improve working capital, increase procurement efficiency, and earn rewards from their credit card usage. The service fee covers all processing and handling costs.
25. Card Curator
- Website: cardcurator.com
- Headquarters: New York, New York, United States
- Founded: 2017
- Headcount: 11-50
Card Curator is a platform that helps users maximize credit card rewards and make informed decisions about spending points and miles. They offer an easy-to-use and accurate live cash and award pricer called Awayz. With CardArb™, users can keep track of the best cards to use for different goals, including cash back, points & miles, and charitable giving.
Want to find more X1 competitors?
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