Robinhood Gold Card
Robinhood, Visa, $50 annual fee. Earns cash back.
Rates checked against the issuer 2026-09. Foreign transaction fee: not recorded here.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $794, or $744 after the fee.
Is the annual fee worth it?
It earns about $794 a year on the illustrative household's spending, which is $744 once the fee is paid. The best card with no fee, American Express Blue Business Plus, nets $1,058 on the same spending — so this card is $315 a year behind. It pulls ahead of the free card once spending passes about $8,750 a month.
Price its credits, perks and sign-up bonus your way — tick what you would use and say what it is worth to you.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights, Hotels, Vacation Rentals, Car Rental | 5% | Only through the issuer's travel portal. Booked through Robinhood Travel |
| Everything else | 3% |
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Groceries | $180 |
| Everything Else | $180 |
| Restaurants & Bars | $108 |
| Gas Stations | $54 |
| Online Shopping | $54 |
| Utilities | $54 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- 3% on everything, the highest uncapped flat rate here
- The $50 is a Robinhood Gold membership rather than a card fee, and the card stops earning 3% without it
Similar cards
- Capital One QuicksilverOne — annual fee $39 a year
- Capital One SavorOne — annual fee $39 a year
- American Express Blue Cash Preferred — annual fee $95 a year
- U.S. Bank Business Altitude Connect Visa Signature — annual fee $95 a year
- Every cash back card, ranked
- When an annual fee pays for itself
- The best two- and three-card combinations
Point values: published industry valuations. How every number here is worked out.