Robinhood Gold Card
By Alex Compton · Last verified
3% flat on everything, but only behind a paid Gold subscription and a waitlist invite.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
690+
(Good-Excellent), Visa Signature underwriting
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo welcome offer, waitlist invitation still required | Archive record · no attached snapshot |
| 2024-03 | $0 | No recorded spend | Earliest recordLaunch, waitlist only, no welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-07-09 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 3xAll purchases
- 5xTravel booked through the Robinhood travel portal
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Requires Robinhood Gold, $5 per month or $50 per year, which also includes the 3.35% APY cash sweep and IRA match perks
- ✦Stainless steel Visa Signature card with no annual fee of its own
- ✦Accounts opened before July 1, 2026 remain grandfathered with no foreign transaction fee
- ✦5% back on travel booked through the Robinhood travel portal
- ✦Cash back can sweep into Robinhood brokerage and compound
- ✦Up to 5 free authorized user cards, including for kids
Why it earns its spot
- +3% flat on everything is the highest uncapped flat rate in America
- +Cash back into investments is a genuinely clever loop
- +Gold subscribers already paying for the sweep APY get the card fee effectively free
Where it costs you
- −You cannot just apply: join the in-app waitlist and wait for an email or push invitation, days for some Gold members, weeks for others
- −The 3% effectively costs $50 per year in Gold, so you need roughly $3,400 of annual spend to beat a free 2% card
- −Cancel Gold and the card terms change; fintech economics this rich invite future nerfs
- −Accounts opened on or after July 1, 2026 pay a 3% foreign transaction fee
The Compound Verdict
Be clear about what this card demands: a paid Robinhood Gold subscription at $5 a month or $50 a year, plus a waitlist invitation before you can even apply. Clear both hurdles and nothing else pays an uncapped 3% on everything, with 5% on portal travel as a bonus. The rate looks too good to survive forever, so enjoy it without building your whole setup around it.
Rate this card
Be the first to rate it
Commentson Gold Card
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.