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Robinhood Gold Credit Card Review: Is 3% Cash Back Worth It?

The financial technology company Robinhood has ventured beyond investment platforms into the credit card space with its Robinhood Gold Card. This premium offering, currently available by waitlist only, promises an impressive 3% cash back on all purchases with no annual fee , though it requires an active Robinhood Gold subscription.
What Is the Robinhood Gold Credit Card?
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The Robinhood Gold Card, issued by Coastal Community Bank and running on the Visa U.S.A. Inc. network, is a cash-back credit card designed specifically for Robinhood Gold members. This financial services offering combines premium rewards with integration into your Robinhood financial brokerage account, making it particularly attractive for active investors.
Key Card Details:
- Annual Fee: $0 (requires Robinhood Gold subscription)
- Purchase APR: 19.99% - 32.99% variable
- Rewards: 3% cash back on all purchases, 5% on travel through Robinhood
- Credit Approval: Subject to underwriting and credit limits
- Issuer: Coastal Community Bank
Robinhood Gold Card Pros & Cons
Pros
- Industry-leading 3% flat cash back rate on all purchases
- 5% cash back on travel booked through Robinhood travel portal
- No annual fee (outside of required Gold subscription)
- Seamless integration with Robinhood brokerage accounts
- Premium metal card design
- No foreign transaction fees
Cons
- Requires Robinhood Gold subscription ($75 annually)
- Currently waitlist-only
- No welcome bonus
- Limited redemption flexibility
- Must use Robinhood Credit Card app for payments
Before committing to the $50/year Gold membership, use Kudos' Test Drive feature to preview exactly how much you'd earn with the Robinhood Gold Card vs. your current cards based on your actual spending patterns. This helps you see if you'll actually break even or come out ahead.
Who Is the Robinhood Gold Card For?
The ideal candidate for the Robinhood Gold Card is someone who:
- Already has a Robinhood Gold subscription
- Frequently trades or invests through Robinhood
- Wants to automatically reinvest credit card rewards
- Values simplified reward structures
- Travels occasionally and can utilize the 5% travel rewards
- Prefers metal cards with premium benefits
Comparing the Robinhood Gold Card with Other Cards
Robinhood Gold Card vs. Chase Freedom Unlimited®
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While both cards offer enhanced travel rewards through their respective portals, the Chase Freedom Unlimited provides more flexibility in redemption options and includes a welcome bonus. However, the Robinhood Gold Card's flat 3% rate outperforms Chase's 1.5% base rate.
Robinhood Gold Card vs. Capital One Venture Rewards Credit Card
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The Capital One Venture card offers broader travel benefits and transfer partners but carries a $95 annual fee. The Robinhood Gold Card's higher base earning rate may provide better value for everyday spending, especially for existing Robinhood Gold members.
Understanding Your Robinhood Gold Subscription
Your Robinhood Gold subscription offering includes:
- 30-day free trial period
- 5% APY on uninvested cash
- 3% match on IRA contributions
- Advanced market data access
- 1% unlimited deposit boosts
- Premium services and research tools
Maximizing Your Rewards
To get the most value from your Robinhood Gold Card:
- Use the card for all eligible purchases to earn 3% back
- Book travel through the Robinhood travel portal for 5% rewards
- Consider redeeming points directly into your brokerage account
- Monitor Flash Boost events for enhanced rewards
- Utilize the Robinhood Credit Card app to track rewards
Consider Using Kudos
If you're looking to maximize your credit card rewards even further, consider using Kudos – a free AI-powered browser extension that helps you optimize your credit card usage. Kudos can help you:
- Automatically identify which card to use for maximum rewards
- Track reward opportunities across 15,000+ stores
- Multiply your rewards up to 5X during Flash Boost events
- Discover new credit card opportunities
Currently, Kudos is offering $20 back after your first eligible purchase — just sign-up for free with code "GET20" and make a purchase at a Boost merchant.
Our Expert Takeaway
The Robinhood Gold Card presents a compelling option for existing Robinhood Gold members, offering one of the highest flat cash-back rates available. While the required Gold subscription and limited redemption options may deter some, the card's integration with Robinhood's platform makes it an excellent choice for those already invested in the Robinhood ecosystem.
Robinhood Gold Card FAQ
How do I make payments on my Robinhood Gold Card?
Payments must be made through the Robinhood Credit Card app with a connected bank account. You can set up autopay or schedule manual payments.
What credit score do I need for the Robinhood Gold Card?
While Robinhood Credit, Inc. doesn't specify a minimum score, good to excellent credit (670+) is recommended for approval.
Can I use my rewards outside of Robinhood?
Yes, but you'll get the best value when redeeming rewards into your Robinhood brokerage account or for travel bookings.
What happens if I cancel my Robinhood Gold subscription?
Canceling your annual subscription may affect your card benefits and eligibility. Contact Robinhood support for specific terms.
Is the Robinhood Gold Card really made of metal?
Yes, the standard card is made of stainless steel (17g). A 10-karat gold version is available through referrals.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.