Robinhood Gold Card
No-Fee Cash Back Card for Robinhood Gold Members
Annual Fee
$0
Earning Rate
3% on all eligible purchases • 5% travel via Robinhood Travel (booked in U.S. dollars)
Welcome Bonus
No welcome bonus currently offered
Card Material
Metal veneer card with gold-color coating & mechanical engraving • Gold, Rose Gold colors
Practical Recommendation
If you want "one card, done," this is about as easy as it gets: 3% back on everything, more on portal travel, and cash-out at one cent per point straight to your Robinhood brokerage. The catch: you must keep a Robinhood Gold subscription, so factor in $5/month or $50/year as your real "annual fee."
Best for existing Robinhood users who like simple, flat rewards and may invest their cash back. If you hate subscriptions or prefer airline/hotel transfer partners, look elsewhere. Bottom line: already pay for Gold? This can be your default swipe.
Perks
- Earning details (simple math) – 3% back (in points) on virtually all consumer purchases; 5% on travel booked through the Robinhood Travel portal (U.S. dollar bookings only). Excludes cash equivalents (gift card loads, wires, money orders, etc.).
- Virtual card numbers – Create disposable numbers for free trials or one-time purchases; easy to lock or cancel in the app.
- Family authorized users – Add up to five cardholders (any age) with spend limits and real-time tracking. Good for building history and consolidating household spend.
- Gas station redemption option – At participating pumps, redeem 1,450 points for $0.50 off per gallon (up to 20 gallons) right at the pump; handy if you prefer instant savings.
- No foreign transaction fees – Useful for travel; your purchases abroad still earn points (converted to U.S. dollars) without extra issuer fees.
- Redemptions that make sense – Best value is $0.01 per point as cash moved to your Robinhood brokerage (then invest or withdraw). Gift cards and statement credits are available; statement credit is less than 1¢ value.
Protections
- Trip Cancellation & Interruption – Reimburses non-refundable common-carrier tickets up to $2,000 per person if eligible events hit; good backstop for basic trips.
- Auto Rental Collision Damage Waiver – Coverage for theft or collision up to the car's actual cash value; primary outside the U.S., typically secondary in the U.S. Decline the rental counter's CDW.
- Purchase Protection – Covers theft or accidental damage on eligible items up to $1,000 per claim and $10,000 per cardholder; useful on gadgets and small appliances.
- Extended Warranty – Adds up to 1 extra year on eligible U.S. warranties of 3 years or less; can save you from buying store plans.
- Return Protection – If a store refuses a return, coverage up to $250 per item, $1,000 per account per year; helpful for stubborn merchants.
- Travel & Emergency Assistance / Concierge / Roadside Dispatch – Info, referrals, and assistance lines you can lean on; you pay for the services used.