Does the Robinhood Gold have an annual fee?

No. Our record lists a $0 annual fee for the Robinhood Gold.

Is the Robinhood Gold worth it in the first year?

Using our illustration ($12,000 of yearly spending), the first year comes out around $360 before credits, including a welcome bonus valued at $0. Year two drops to about $360 before credits.

What credit do I need for the Robinhood Gold?

Our record lists "Good" credit as the typical target for the Robinhood Gold. Robinhood Credit makes the final decision based on its own criteria.

Robinhood Gold Card

Robinhood Credit

No Annual Fee

Annual Fee

visaGoodno-annual-fee17 days ago

Welcome Offer

No Welcome Offer

OpenCard analysis

Is the Robinhood Gold Card right for you?

The Robinhood Gold is a no-annual-fee rewards card from Robinhood Credit. It earns a flat 3x on purchases. With no fee, it only needs to beat the flat rate your current card already pays.

Who it's for

✓ Anyone who wants flat-rate rewards without paying an annual fee
✓ People who want one rate (3x) everywhere without tracking categories

First-year value estimate

Welcome bonus

Rewards on spending

$360

Annual fee (year 1)

−$0

Year 1, before credits

$360

Year two, without the welcome bonus: about $360 before credits ($360 in rewards minus the $0 fee).

Assumptions

$12,000 a year of purchases at 3x, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
No welcome bonus is listed in our record, so none is counted.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-10-02.

How it compares

Amex Cash Magnet →

American Express, same $0 annual fee; earns 1.5x on everything.

Capital One VentureOne Rewards →

Capital One, same $0 annual fee; earns 1.25x on everything.

PenFed Gold Visa →

PenFed Credit Union, same $0 annual fee; earns 1x on everything.

Compare side by side →

Frequently asked questions

Does the Robinhood Gold have an annual fee?: No. Our record lists a $0 annual fee for the Robinhood Gold.
What does the Robinhood Gold earn?: A flat 3x on purchases.
Is the Robinhood Gold worth it in the first year?: Using our illustration ($12,000 of yearly spending), the first year comes out around $360 before credits, including a welcome bonus valued at $0. Year two drops to about $360 before credits.
What credit do I need for the Robinhood Gold?: Our record lists "Good" credit as the typical target for the Robinhood Gold. Robinhood Credit makes the final decision based on its own criteria.

Earning Rates

3×All Purchases3% cash back on all categories (requires Robinhood Gold membership)

Insurance

Sources

https://robinhood.com/creditcard/

Last Updated: Oct 2, 2026