Robinhood Gold Card
Robinhood · Visa
The Robinhood Gold Card is a Visa Signature credit card offered by Robinhood Credit, Inc. and issued by Coastal Community Bank, reserved for active Robinhood Gold members in the United States. It earns an uncapped 3% cash back on all purchases (5% on travel booked via Robinhood's portal), with no card annual fee but a required Gold membership ($5/mo or $50/yr) billed separately. Rewards are 1-cent points posting by default to the Robinhood brokerage account. No foreign transaction fees; 17g steel card. It is not a crypto card: rewards are in USD, access is invite-based.
The number that matters
The banner cashback isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | Free |
| Annual fee | Free |
| ATM withdrawal | Free |
| FX markup | 0% |
| Cashback | 3% in USD · Nessuno |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 2/10 |
| Supported countries | US · 1+ countries |
| 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). |
| Estimated net annual cost | €46/year |
| Regulator | FDIC / Visa U.S.A. Inc.; SEC e FINRA per Robinhood Markets |
| OAM Italy registration | No |
| Segment | B2C |
| Funding / solidity | Robinhood Markets, Inc. is a US financial-services company founded in 2013 in Menlo Park, California, listed on the NASDAQ under the ticker HOOD. The Gold Card is offered by Robinhood Credit, Inc. and issued by Coastal Community Bank (Member FDIC). |
| MiCA / License status | Emessa da Coastal Community Bank (FDIC), su licenza Visa U.S.A. Inc.; offerta da Robinhood Credit, Inc. Visa Signature credit card issued by Coastal Community Bank, Member FDIC, under license from Visa U.S.A. Inc.; offered by Robinhood Credit, Inc. (part of NASDAQ-listed Robinhood Markets, Inc.). |
Strengths
- Uncapped 3% cash back on everything (5% on portal travel), unusually high for a flat-rate card
- No card annual fee and no foreign transaction fees
- Visa Signature benefits plus a 17g metal card; rewards auto-investable into the brokerage
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- Requires a paid Robinhood Gold membership ($5/mo or $50/yr) to get and keep the card
- US-only and invite/waitlist gated
- Rewards redeem at 1 cent/point into the Robinhood account, tying value to its ecosystem; not a crypto card
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Visa Signature credit card issued by Coastal Community Bank, Member FDIC, under license from Visa U.S.A. Inc.; offered by Robinhood Credit, Inc. (part of NASDAQ-listed Robinhood Markets, Inc.).): reporting to authorities and freezes on order.
Verdict
Strong consumer protection: a Visa Signature credit card issued by Coastal Community Bank (an FDIC bank) and offered by a publicly listed, regulated company. The trade-off is the complete lack of privacy: full KYC, USD rewards into the Robinhood brokerage account, no crypto or self-custodial element.
Minimal sovereignty score: no self-custody, mandatory KYC, rewards locked into the Robinhood (brokerage) ecosystem, no crypto exposure. It is a traditional centralized credit card, the opposite of cypherpunk principles.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Do I need a membership for the Robinhood Gold Card?
Yes: Robinhood Gold ($5/mo or $50/yr), billed separately, is required to apply for and keep the card.
Is it a crypto card?
No: it is a traditional credit card with USD cashback, despite Robinhood's crypto association.
Sources
- Official service page Payment network · Cashback · Fx · Company type · +4 Data verified on Jun 23, 2026
- nerdwallet.com Issuer bank · Membership · Riscatto · Regulator · +8 Data verified on Jun 23, 2026
- todey.xyz Payment network · Cashback · US-only · Kyc Data verified on Jun 22, 2026