Citi Double Cash vs Robinhood Gold Card
The Robinhood Gold Card comes out ahead for all three spending profiles we tested. Below: what each card pays after fees for three spending profiles, the break-even, and a live calculator for your own numbers. Card terms verified Oct 5, 2026.
Simulated results
Five years, welcome offers counted when the profile's own spending reaches them, points valued as cash (Citi points at 1.0¢). Merchant credits like Uber or DoorDash aren't counted for typed profiles; they show up in the break-even instead.
| Profile | Citi Double Cash: year 1 | then yearly | 5 years | Robinhood Gold Card: year 1 | then yearly | 5 years |
|---|---|---|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | $674 | $474 | $2,570 | $664 | $664 | $3,320 |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | $995 | $795 | $4,175 | $1,165 | $1,165 | $5,825 |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | $1,220 | $1,020 | $5,300 | $1,570 | $1,570 | $7,850 |
The break-even
Everyday spender
Citi Double Cash trails Robinhood Gold Card by $150 a year. It has no extra perks we left unpriced that could close that gap.
This flips if Citi points are worth more than 1.31¢ each to you (we're using 1.0¢).
Balanced
Citi Double Cash trails Robinhood Gold Card by $330 a year. It has no extra perks we left unpriced that could close that gap.
This flips if Citi points are worth more than 1.39¢ each to you (we're using 1.0¢).
Frequent traveler
Citi Double Cash trails Robinhood Gold Card by $510 a year. It has no extra perks we left unpriced that could close that gap.
This flips if Citi points are worth more than 1.43¢ each to you (we're using 1.0¢).
Try it with your spending
Starts from the Balanced profile. Change any number, or drop in your statements; they're read on this device and never uploaded.
The live calculator needs JavaScript. The tables above are precomputed.
The live calculator needs JavaScript. The tables above are precomputed.
Side by side
| Term | Citi Double Cash | Robinhood Gold Card |
|---|---|---|
| Issuer and network | Citi, Mastercard | Robinhood, Visa |
| Annual fee | None | None |
| Requires | Nothing extra | Robinhood Gold, $50 a year |
| Welcome offer | $200 after $1,500 in 6 months | None |
| Earning | 5x total (2x + 3x extra) on hotels, car rentals and attractions booked through Citi Travel · 2x on everything else | 3% on everything else |
| Rewards currency | Citi ThankYou points | Cash back |
| Statement credits | None | None |
| Lounges | None | None |
| Foreign transaction fee | 3% | 3% |
| Authorized users | No fee | No fee |
| Availability | Open to new applicants | Waitlist or invite only |
| Verified | Oct 5, 2026 | Oct 5, 2026 |
Compare every card with your statements