Robinhood Gold Card
Every rate below is the issuer’s own, verified October 2, 2026.
Terms apply. See rates & fees on Robinhood. Rankings are pure math, never sold.
How it earns
Every rate here is the issuer’s published number. Points are valued at what this door can redeem them for: cash-back at the statement-credit rate, travel at the issuer’s travel rate.
What it pays at a typical spend
The family on our home page spends $800 a month on groceries, $200 on dining, $250 on gas, $100 on travel and $600 on everything else. Figures as of October 2, 2026, the day the terms were last verified.
At that spending the Robinhood Gold Card nets $652 a year, after its fee. The biggest line is groceries, at $288. For the family on our home page, it places second of the 12 cash back cards we’ve confirmed.
The Citi Double Cash, just above it among the confirmed cards, nets $16 more in year one. The Chase Freedom Unlimited, just below it, nets $65 less. Judged on every year after the first instead, it places first of the 12 cash back cards we’ve confirmed.
Who it fits
It fits if
- You want one card for everything: 3x on every purchase, with one condition: the full 3% only comes when you redeem into the brokerage.
- You spend $423 a month or more in the mix above: from there it beats every no-fee card we check from year two, fee paid.
Look elsewhere if
- You spend less than $423 a month: below that, the Wells Fargo Active Cash pays as much or more every year after year one.
- Your credit is fair or thin: approval usually needs good credit.
Plain facts
- Who gets approvedGood credit, around 670+. Waitlist first: Gold members join the line and apply when invited (reports say a few weeks). Needs a Robinhood brokerage account and the $50-a-year Gold membership, which we count against the card. The full 3% only comes when you redeem into the brokerage — a statement credit pays less than 1¢ a point.
- The issuer’s terms governRates, fees and bonus conditions are set by Robinhood and change without notice. Confirm the current offer before you apply.
- Where these numbers came fromCollected by hand from Robinhood’s own published terms, last verified October 2, 2026. An automatic check re-reads that page every day. On October 19, 2026 all 2 of the figures it watches here were still printed there. How we check
What people ask about it
Is there a cap on what it earns?
No. Its rates apply to all of your spending, with no yearly cap.
How is the cash back paid?
As cash rewards, a dollar for a dollar, so our figures count it at face value.
What does it earn on each purchase?
3x on every purchase, with one condition: the full 3% only comes when you redeem into the brokerage.
Where it shows up
Every ranking and comparison with the Robinhood Gold Card in it, each computed the same way.
- Best card for diningAt $500 a month on dining, the rest of the spending unchanged, Robinhood Gold Card first, at $760 a year.
- Best card for groceriesCiti Double Cash first, at $668 in year one.
More cards like this
- Yearly fee $325American Express GoldAmerican Express · for dining and groceries, 4x · estimate
- Yearly fee $0Citi Double CashCiti · for one card on everything, 2x
- Yearly fee $0Chase Freedom UnlimitedChase · for dining, 3x and 1.5x on the rest
The three cash back cards beside this one on our list of every card. See every card