Robinhood Gold Card Review
- Stock trade fee
- $0
- Minimum deposit
- $0
Our verdict
A high flat-rate rewards card with 3% back on everything — but is it only worth it if you’re already a Robinhood Gold subscriber?
The Robinhood Gold Card offers a standout 3% flat cashback rate — the industry’s highest — with no foreign transaction fees and 5% back on travel. Redeem points directly into your Robinhood brokerage account, where you can invest or earn Gold’s 3.5% APY on cash. Other redemption options include a mystery box, which offers benefits such as a higher cashback rate for 24 hours, bonus points and more. It also includes disposable virtual cards for privacy and family cards that help children build credit.
However, you must maintain a paid Robinhood Gold membership — $5 per month or $50 per year when paid annually. Plus, the card has no welcome bonus, and carrying a balance comes with a steep 29.99% APR.
Best for: Current Robinhood Gold users or anyone seeking Gold status, with or without the Gold Card.
Pros
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Industry-leading flat rate at 3% cash back
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No foreign-transaction fees
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High travel earnings rate at 5%
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Redeem points into your brokerage account
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Premium build and virtual cards
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Family cards
Cons
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Must be a paying Robinhood Gold member to qualify and maintain the card
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No welcome bonus
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Separate app required
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High APR at 29.99%
What is the Robinhood Gold Card?
The Robinhood Gold Card is a premium-feeling credit card exclusively for Robinhood Gold members. It offers the industry’s highest flat cashback rate at 3%, plus other perks. It emphasizes simple rewards and investing integration: earn points and redeem them for cash back into your brokerage account.
Our take
The Robinhood Gold Card is among the strongest flat-rate cashback cards on the market. With 3% back on all purchases and 5% back on travel booked through Robinhood, it clearly outpaces typical cashback cards, which usually offer 1.5% to 2% back on purchases. The trade-off is the $5 monthly Robinhood Gold subscription. For existing Gold members or those who spend at least $500 per month — enough to offset the subscription with the extra 1% cash back — this card can be an advantageous everyday card.
However, if you’re not invested in the Robinhood ecosystem, its value and usability may feel limited.
What we like about the Robinhood Gold Card
The Robinhood Gold Card combines high flat-rate cashback, premium design and seamless investing integration, making it a strong choice for existing Robinhood users. Here’s what stands out:
Unlimited 3% cash back
Every purchase earns three points per dollar, equivalent to 3% cash back when redeemed for cash into your brokerage account.
Most flat-rate competitors cap out at 2%, making this one of the highest no-category earners on the market.
5% travel rewards
Booking through the Robinhood Travel Portal earns 5% back, in line with cards like the Chase Freedom Unlimited, Chase Sapphire Preferred and Capital One Venture Card.
Redeem points into your brokerage account
Points don’t convert automatically — but once you redeem them for cash back, the money is deposited into your Robinhood brokerage account, giving you the flexibility to invest, withdraw or leave as cash to earn Gold’s competitive 3.5% APY, as of December 2025.
Premium build and privacy-focused virtual cards
The card’s stainless steel construction, matte finish and minimalist design give it a premium feel, while virtual and disposable card numbers add an extra layer of security for online purchases.
Family members included
Add family members — including minors — with no additional fee and without a hard credit pull, which can help youngsters start building credit responsibly.
Insurance and travel protections
Includes perks such as:
- No foreign-transaction fees
- Trip interruption protection
- Auto rental collision damage waiver
- Travel and emergency assistance
Not premium-level, but solid for a no-annual-fee card.
Apply if you're a Robinhood Gold memberWhat we dislike about the Robinhood Gold Card
Requires a Robinhood Gold membership
You must maintain a Gold subscription or the card loses its value — literally. You can’t keep the card without a Gold subscription.
No welcome bonus
Unlike many other rewards cards, there’s no signup or welcome bonus, which may make it less appealing to new users.
Separate app required
The Robinhood Gold Card is not integrated into the main Robinhood app. You must download the separate Robinhood Gold Card app for managing your card and rewards.
High APR
The card has a high variable APR of 29.99% for purchases, balance transfers and cash advances, which can be expensive if you carry a balance.
How the Robinhood Gold Card works
The Gold Card earns points, and each point is worth one cent when redeemed for cash back.
Earning points
- 3 points per dollar on all purchases
- 5 points per dollar on travel booked through Robinhood
Excluded categories:
Cash advances, fees, business transactions and certain foreign transactions.
Redeeming points
Redeem points for:
- Cash back deposited into your Robinhood brokerage account
- Gift cards
- Travel bookings through Robinhood
- Physical products
- Airport lounge access via redeeming points
- “Mystery Box” boosts — temporary higher cashback percent, bonus points, etc.
Points may be paused or forfeited if your account is delinquent or misused.
Robinhood Gold Card fees
Fee | Amount |
|---|---|
Annual fee | $0 |
Robinhood Gold membership | Required — $5/mo or $50/yr |
Purchase APR* | 29.99% |
Balance transfer APR* | 29.99% |
Cash advance APR* | 29.99% |
Foreign transaction fee | Applies to certain foreign transactions |
Late payment | Up to $40 |
Returned payment | Up to $40 |
Replacement card | $40 per card |
* As of January 2026
Travel benefits
You won’t get premium perks like lounge memberships or annual credits, but the Gold Card still offers meaningful protections:
- 5% back on bookings through Robinhood Travel
- Trip interruption protection
- Auto rental collision damage waiver
- Travel and emergency assistance
Points can also be redeemed for lounge access if desired.
How to apply for the Robinhood Gold Card
To apply, you must:
- Be a current Robinhood Gold subscriber.
- Receive an invitation or be removed from the waitlist.
- Apply (requires a hard credit pull).
- Activate using the QR code included in the packaging or through the Gold Card app.
Robinhood bases your approval on your creditworthiness and Gold membership eligibility.
Apply if you're a Robinhood Gold memberDoes the Robinhood Gold Card justify the Gold subscription?
If you’re already a Gold member, want the industry’s highest flat cashback rate and want to use your cash back to invest through Robinhood, the Robinhood Gold Card is a no-brainer.
If you’re not a Gold member and comparing to a typical 2% cashback card, the math works like this:
- Gold costs $5 per month.
- You’d need to spend roughly $500 per month for the extra 1% cash back this card offers over typical flat-rate cards to cover the $5 monthly Gold subscription. If you pay annually at $50, the break-even drops to around $417 per month.
More spending means greater net value, making this card most appealing for moderate to high spenders.
Bottom line
The Robinhood Gold Card is a powerful, straightforward rewards card, ideal for people already using Robinhood — especially Gold subscribers who want to earn 3% back everywhere and funnel rewards directly into investing.
If you’re not invested in the Robinhood ecosystem or want stronger travel perks, other cards will suit you better. But for its target audience, this is one of the most rewarding and simple cashback cards on the market.
Apply if you're a Robinhood Gold memberFrequently asked questions
Your reviews
Matt Finder
Investments editor and market analyst
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