Cushion AI vs Robinhood Gold Card
On the standard spending profile Robinhood Gold Card is cheaper: €46 net per year versus €60 for Cushion AI. On cashback Robinhood Gold Card wins (up to 3%, but the full rate requires Nessuno). The structural difference is custody: Robinhood Gold Card leaves you the keys, while Cushion AI holds funds on the platform. In our editorial rating Robinhood Gold Card leads (4.0 vs 1.5). The choice depends on your real spending profile: redo the math with your volumes before picking between Cushion AI and Robinhood Gold Card.
| Cushion AI | Robinhood Gold Card | |
|---|---|---|
| Tier | D | B |
| Rating | ★ 1.5 | ★ 4.0 |
| Estimated net annual cost | €60 | €46 |
| Network | Virtual (bill history) | Visa |
| Card type | Credit card | Revolving credit |
| APR | 0% | — |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| ATM withdrawal | not declared | not declared |
| FX markup | 0% | 0% |
| Cashback | Not disclosed | 3% in USD · Nessuno |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 5/10 | 2/10 |
| Supported countries | US · 1+ countries | US · 1+ countries |
| Regulator | Not disclosed | FDIC / Visa U.S.A. Inc.; SEC e FINRA per Robinhood Markets |
| Segment | B2C | B2C |
| Backing | — | Unsecured |
| Issuing bank | — | Coastal Community Bank |
| Membership required | — | Robinhood Gold $5/mese o $50/anno (fatturato a parte) |
| Funding / solidity | — | Robinhood Markets, Inc. è una società di servizi finanziari statunitense fondata nel 2013 a Menlo Park (California), quotata al NASDAQ con ticker HOOD. La Gold Card è offerta da Robinhood Credit, Inc. ed emessa da Coastal Community Bank (membro FDIC). |
| OAM Italy registration | — | No |
| Regions | US | US |
| Licences & safety | N/A | Emessa da Coastal Community Bank (FDIC), su licenza Visa U.S.A. Inc.; offerta da Robinhood Credit, Inc. |
Frequently asked questions
Cushion AI vs Robinhood Gold Card: which is better?
On the standard spending profile Robinhood Gold Card is cheaper: €46 net per year versus €60 for Cushion AI. On cashback Robinhood Gold Card wins (up to 3%, but the full rate requires Nessuno). The structural difference is custody: Robinhood Gold Card leaves you the keys, while Cushion AI holds funds on the platform. In our editorial rating Robinhood Gold Card leads (4.0 vs 1.5). The choice depends on your real spending profile: redo the math with your volumes before picking between Cushion AI and Robinhood Gold Card.
Which is cheaper, Cushion AI or Robinhood Gold Card?
On the standard spending profile Robinhood Gold Card has the lowest net annual cost: €46 versus €60 for Cushion AI.
Which offers more cashback, Cushion AI or Robinhood Gold Card?
Robinhood Gold Card has the highest cashback: up to 3%. Note the top rate often requires token staking and is subject to spending caps.
Is Cushion AI custodial or self-custody?
Cushion AI is custodial: funds are held by the platform, while Robinhood Gold Card is self-custody.