Who it's for
Cash backPremium travelNo annual fee
Robinhood Gold Card
Highest flat-rate earner on the market — beats Wells Fargo Active Cash (2%) and Citi Double Cash (2%) by a full percentage point. The catch: requires $50-60/year Robinhood Gold subscription. Math works at $5k+ annual spending. Best for users already paying for Gold.
$1,739/yrest. value at typical spending
$0annual fee
$0yearly credits
$0fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 3x | $400/mo |
| Groceries | 3x | $600/mo |
| Flights & hotels | 3x | $300/mo |
| Rent | 3x | $2,500/mo |
| Gas & transit | 3x | $150/mo |
| Streaming | 3x | $80/mo |
| Online shopping | 3x | $200/mo |
| Everything else | 3x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Cash back
- 3% cash back on every purchase — no rotating categories, no caps
- Extra 5% on Robinhood Travel portal bookings ended July 29, 2026
- No annual fee on the card itself
- 3% foreign transaction fee on cards applied for on or after July 1, 2026
- Requires Robinhood Gold membership ($5/mo or $50/yr) — effective annual cost $50-60
- Cash back deposits to your Robinhood brokerage account instantly
- Invite-only via waitlist (still active in 2026)
- Stainless steel card (10-karat gold version available with referrals)
- Visa Signature concierge, trip interruption protection, auto rental CDW, return protection
Similar cards
- Discover it MilesNo annual fee$869est. value/yr
- Wells Fargo Active CashNo annual fee$1,159est. value/yr
- Amazon Prime VisaNo annual fee$799est. value/yr
- Apple CardNo annual fee$630est. value/yr
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