Robinhood Gold Card
A Robinhood Visa card with no annual fee. Here's what it pays back after that fee for three spending profiles, simulated month by month. Terms verified Oct 5, 2026.
Waitlist or invite only.
What it's worth
5 years, the welcome offer counted when the profile's own spending reaches it, rewards valued as cash. Merchant credits like Uber or DoorDash aren't counted for typed profiles.
| Profile | Year 1 | Then yearly | 5 years |
|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | $664 | $664 | $3,320 |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | $1,165 | $1,165 | $5,825 |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | $1,570 | $1,570 | $7,850 |
Your spending isn't one of our profiles. Drop in a year of statements and see where the Robinhood Gold Card ranks against every card we track. They're read on this device and never uploaded.
Terms
| Term | Robinhood Gold Card |
|---|---|
| Issuer and network | Robinhood, Visa |
| Annual fee | None |
| Requires | Robinhood Gold, $50 a year |
| Welcome offer | None |
| Earning | 3% on everything else |
| Rewards currency | Cash back |
| Statement credits | None |
| Lounges | None |
| Foreign transaction fee | 3% |
| Authorized users | No fee |
| Availability | Waitlist or invite only |
| Verified | Oct 5, 2026 |
Checked against the issuer's page. Dates and sources for each part.
Fine print
- Availability: as of 2026-10-05 the card is still waitlist/invite-only. The product page says 'Reserve your spot' and the Gold page says 'Join the waitlist'. Robinhood calls it a gradual rollout with varying wait times.
- No 5% portal rule is included. Robinhood's Rewards Program Rules (last updated September 3, 2026) say: 'You will earn three (3) Points for each dollar of Eligible Purchases ... This includes Eligible Purchases made through the Robinhood Travel Portal, which are no longer eligible for extra Points.' The old 5X travel-portal rate is gone. Some Robinhood help pages still describe 5X.
- Foreign transaction fee: 3% for accounts opened on or after July 1, 2026, per the rates table and Doctor of Credit (July 2, 2026). Accounts opened earlier are grandfathered at 0%.
- Points are worth $0.01 each when redeemed as cash into a Robinhood Financial brokerage account (a brokerage account is required). Travel portal and gift card redemptions are also 1 cent. Statement credits and 'special items' are worth less than 1 cent.
- Also earns 1 extra point (4 total per $1) on 'qualifying dining purchases' through Robinhood merchant Offers.
- Rates table (updated Jul 1, 2026): 29.99% variable APR for purchases, BTs and cash advances (prime + 23.24%), no penalty APR, $0 balance transfer fee, cash advance fee $10 or 5%.
- The Gold subscription also includes other Robinhood Gold benefits (high-yield brokerage cash, 3% IRA match, etc.). Robinhood now also markets a separate 'Platinum Card', which is out of scope here.