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
Invite
No welcome offer; applications open only by waitlist invitation to Robinhood Gold members
Spend Requirement
None
Annual Fee
$0
3% FTF
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.
Last verified 2026-07-09 · spot an outdated offer?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
- ✦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.
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