Robinhood Gold Card Review (No Annual Fee Everything 3% Cashback) (2026.7 Update: Has FTF Now)
[2026.7 Update] This card previously had no foreign transaction fee (FTF).Robinhood has quietly updated its terms, and cards applied for on or after July 1, 2026 will carry a 3% FTF.Existing cardholders are not affected for now, although there is no guarantee that Robinhood will not quietly revise the terms again in the future.
Application Link
Features
- Earn 5% cash back when you book travel through the Robinhood travel portal.
- Earn 3% cash back on all categories! There’s no cap.
- Metal card, 17g in weight.
- No annual fee.
Actually you need to be a Robinhood Gold member to apply for this card, so equivalently the annual fee comes from Robinhood Gold membership which is $5/month.
Disadvantages
- It seems there is no sign-up bonus.
- Certain transactions are not allowed.For example, attempting to use this card to pay estimated taxes (Form 1040-ES) will be declined outright.
- It has a foreign transaction fee, so it's not a good choice outside the US.
Summary
3% cash back on everything is very nice.It is suitable for lazy people who want a simple one card solution to the game.It even makes me worry whether this card is sustainable.
Historical Offers Chart
This card is not available yet.
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Frequently Asked Questions
Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.
However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.
Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.
Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.
