Robinhood Gold Card
The Robinhood Gold Card from Robinhood has no annual fee, plus a $50-a-year Robinhood Gold membership it requires. At $2,650 a month of typical household spending it pays about $904 a year after fees, $268 more than the Citi Double Cash, a flat 2% card.
Terms checked October 26, 2026. Net values use the spending mix of 1,229 U.S. households in the Bureau of Labor Statistics' Consumer Expenditure Interview Survey. This is an estimate, not financial advice.
What does the Robinhood Gold Card earn?
3% cash back on everything. Needs a Robinhood Gold membership ($50 a year): it counts as a cost unless your statements show a Robinhood Gold charge, and Gold is usually billed to the brokerage account rather than a card. Cash back is redeemed into a Robinhood brokerage account. Foreign purchases cost 3%.
How much would it pay you a year?
This is the card's rewards minus its annual fee and membership, at three spending levels, with spending split the way the survey households split theirs. Statement credits and sign-up bonuses are left out.
| Spending a month | Robinhood Gold Card | Citi Double Cash (2%) |
|---|---|---|
| $1,500 | $490 | $360 |
| $2,650 (the survey median) | $904 | $636 |
| $5,000 | $1,750 | $1,200 |
The mix is 30% everything else, 25% groceries, 16% phone and utilities, 13% dining, and smaller shares elsewhere. Your own split decides the real answer: add your statements to work it out on what you actually spent.
How did it do for real households?
We ran each of the 1,229 households in the 2024 survey through every card, on 12 straight months of their own spending. It would have been the best of 53 cards for 79% of households, and paid more than the Citi Double Cash, a flat 2% card, for 99%. For the median household it paid $269 a year more than the flat 2% card.
The survey records spending categories but not merchants, so merchant bonuses and statement credits never count there, which favors flat cards. How we ran the household test.
Fees and sign-up bonus
- Annual fee: $0; the Robinhood Gold membership costs $50 a year.
- Foreign transaction fee: 3%.
Other benefits
- Trip interruption protection: Visa Signature benefit
- Virtual card numbers: disposable numbers, including cards for AI agents
- Authorized users of any age: no authorized user fee
Cards that pay about the same
At $2,650 a month, these pay closest to the Robinhood Gold Card:
- Amex Gold: $692 a year
- Citi Strata Premier: $657 a year
- Citi Double Cash: $636 a year
- Wells Fargo Active Cash: $636 a year
See what it would have paid you
Add your statementsFree, in your browser. Your statements are never uploaded.
PointMaxx runs a year of your own card statements against 53 U.S. cards, after annual fees, caps and the credits you'd really use. No statements on hand? The quick estimate asks seven questions instead.
Sources
- robinhood.com/creditcard/
- cdn.robinhood.com/assets/robinhood/legal/Robinhood_Gold_Card_Rewards_Program_Rules.pdf
- api.robinhood.com/creditcard/legal/interest-fees
- api.robinhood.com/creditcard/legal/visa-signature-benefits
- robinhood.com/us/en/agentic-credit-card/
- Household spending: BLS Consumer Expenditure Surveys public-use microdata, 2024 Interview Survey.
See a wrong rate? Tell us. PointMaxx is not affiliated with or endorsed by Robinhood; the card's name is used only to say which card is meant.