Credit Card3% on Everything
Robinhood Gold Card — 3% Cashback on Everything
The highest unlimited flat-rate cashback card available. No categories, no caps, no annual fee beyond the $5/month Gold subscription. Cash back deposits directly to your Robinhood brokerage account.
The Speedrun Take
The Robinhood Gold Card is objectively the best flat-rate cashback card on the market — 3% on everything beats every other no-category card by 50%. The one thing you need to understand: your cash back doesn't go to your bank account. It deposits to your Robinhood brokerage as investable cash. For anyone using Robinhood to invest, this is a feature — your daily spending automatically funds your portfolio. For anyone who doesn't want to touch Robinhood, stick with Citi Double Cash.
How Redemption Works — Read This First
Cash back from the Robinhood Gold Card is deposited directly into your Robinhood brokerage account as cash — not as a statement credit, not as a bank deposit, not as a check.
Once it's in your brokerage account, you can invest it in stocks, ETFs, or leave it earning interest. You can also withdraw it to your bank account from Robinhood — it just takes an extra step versus a standard cashback card.
Bottom line: If you have or plan to open a Robinhood brokerage account, this is seamless. If you don't want to use Robinhood at all, choose a different card.
The Card at a Glance
3%
Cash back rate
on everything
$0
Annual card fee
Gold sub required
$5/mo
Gold subscription
$60/year
None
Foreign transaction fee
Visa Infinite
3% vs 2% — The Actual Dollar Difference
After the $60/year Gold subscription, here's what 3% earns you vs. the best 2% flat-rate cards:
| Monthly Spend | RH Gold (3% − $60 fee) | 2% Card (no fee) | Advantage |
|---|---|---|---|
| $1,000 | $360 | $240 | +$120/yr |
| $2,000 | $720 | $480 | +$240/yr |
| $3,000 | $1,080 | $720 | +$360/yr |
| $5,000 | $1,800 | $1,200 | +$600/yr |
Visa Infinite Perks
The Gold Card runs on Visa Infinite — the highest Visa tier. These protections come included at no extra cost:
Airport lounge access
Priority Pass membership — 1,300+ lounges worldwide
Cell phone protection
Up to $800/claim if your phone is stolen or damaged
Trip delay insurance
Reimburses meals and lodging on delays 6+ hours
Trip cancellation
Up to $2,000 per trip for covered cancellations
Rental car insurance
Primary coverage — no need to use personal insurance
Extended warranty
Doubles manufacturer warranty up to 1 extra year
How to Get the Card
Open a Robinhood account (if you don't have one)
The Gold Card requires a Robinhood brokerage account. Opening one takes 5-10 minutes at robinhood.com. No minimum deposit required.
Subscribe to Robinhood Gold ($5/month)
Gold is the subscription tier required to hold the card. It also includes 4.5% APY on uninvested cash, Morningstar research, and the 3% IRA match.
Apply for the Gold Card
Once you have Gold, you can apply for the card directly in the app. Standard credit check applies. Visa Infinite means the credit limit tends to be higher than average.
Cash back flows automatically to your brokerage
After each statement, your 3% cash back posts to your Robinhood brokerage account as uninvested cash. From there, invest it in SCHB, VTI, or whatever you hold — or withdraw it to your bank.
Is This Card Right for You?
Good fit if…
- You already invest on Robinhood or plan to open an account
- You want the highest unlimited flat-rate cashback, full stop
- You're comfortable having rewards deposited as investable cash (not statement credit)
- You spend $1,000+/month — the 3% pulls away from 2% cards fast
- You travel and want Visa Infinite perks (lounge access, no FX fees)
Skip it if…
- You want cash back as a statement credit or bank deposit
- You never plan to invest on Robinhood — redemption requires the brokerage account
- You spend under ~$500/month and the Gold subscription fee cuts into the advantage
- You want to use cashback rewards for anything other than investing
Stack It With
Robinhood Brokerage
Where your 3% cash back lands — free stock bonus too
Fidelity
Core brokerage for Roth IRA + FZROX index funds
Start Earning 3% on Everything
Open a Robinhood account, subscribe to Gold, and apply for the card. Your spending funds your portfolio automatically.
Apply for the Robinhood Gold Card