VisaRobinhood Gold Card
3% on everything, the highest flat rate in America, with a subscription catch.
Welcome Bonus
None
No welcome offer
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
700+
(Good-Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 3xAll purchases
- 5xTravel booked through the Robinhood travel portal
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Cash back can sweep into Robinhood brokerage and compound
- ✦Stainless steel Visa Signature card
- ✦Up to 5 free authorized user cards, including for kids
- ✦No foreign transaction fees
Why it earns its spot
- +3% flat beats every 2% card by half again
- +Cash back into investments is a genuinely clever loop
Where it costs you
- −Requires a Robinhood Gold subscription, $50 per year
- −Access still flows through a waitlist at times
- −Fintech card economics invite future nerfs, earn it while it lasts
The Compound Verdict
Nothing else pays an uncapped 3% on everything, so the math beats any 2% card once you spend past roughly $3,400 a year to cover the Gold fee. The risks are structural: waitlist access and a rate that looks too good to survive forever. Enjoy it, but do not build your life around it.
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