Robinhood Gold Card Review: Benefits, Credits & Annual Fee

Use points to book travel through the Robinhood Card travel portal. Select points at checkout for an available purchase in the portal. Points are worth $0.01 each for this redemption option; bookings made elsewhere do not use this portal benefit.

Use Points to buy airport lounge passes. They're a special-item redemption in the Rewards section, separate from the standard redemption categories. Each Point is worth less than $0.01 toward a lounge pass, so cash back or other options usually give you more value.

Auto rental collision damage waiver can cover theft or collision damage to an eligible rental car. Pay for the rental with your card and decline the rental company’s collision damage waiver to use the coverage. Vehicle, rental-period, and geographic restrictions may apply; liability coverage is not included.

Roadside Dispatch connects you with services such as towing, tire changes, jump-starts, and lockout help. Call the Roadside Dispatch number associated with your card to request assistance. Service availability varies by location, and you generally pay the applicable service charge.

Travel and emergency assistance connects you with help when problems arise away from home, such as medical or legal referrals. Call the assistance number associated with your card when you need support. The referral service does not necessarily pay for medical care, transportation, or other third-party costs.

Official Robinhood Gold Card page retrieved 2026-09-12 lists Trip Interruption Protection among card benefits. The issuer page does not publish a dollar cap or coverage schedule on that page, so no amount is proposed.

Earn 3% cash back on eligible purchases with an active annual Robinhood Gold subscription. A Robinhood Financial brokerage account is required for cash-back redemption. Terms and exclusions apply.

Extended warranty protection can add coverage to an eligible item’s original manufacturer’s warranty. Buy the item with your card and keep the receipt and warranty information in case you need to file a claim. Coverage length, item exclusions, and claim limits apply.

Purchase security can cover eligible items that are stolen or accidentally damaged after purchase. Buy the item with your card and submit a claim with your receipt and supporting documents. Coverage applies only for a limited period after purchase and is subject to exclusions and limits.

Return protection can reimburse you for an eligible purchase when a merchant won’t accept a return. Pay with your card, try to return the item to the merchant first, and submit a claim if the return is refused. Time limits, item exclusions, and reimbursement caps apply.

Get a complimentary six-month DoorDash DashPass trial. Activate it through DoorDash with a valid account and keep your card saved as a payment method. You must not have had any DashPass membership, including a trial, in the six months before activation.

Add authorized users of any age to your account, so family members can build credit. Add them from your account, and each person gets a card. Purchases on those cards are billed to your account, so you're responsible for the balance.

Disposable virtual card numbers let you pay without sharing your physical card number with a merchant. Generate a number in the card app and use it for an eligible online purchase. A number may stop working after use, so avoid it for recurring payments.

A 3% fee applies to each purchase made outside the U.S. or in a foreign currency.

Redeem 1,450 points for $0.50 off each gallon of gas, up to 20 gallons in one transaction. Select the gas discount redemption when available and follow its instructions at checkout. The maximum discount is $10 per redemption.

Use points to purchase virtual gift cards from participating merchants. Browse gift cards in Robinhood’s rewards portal and redeem points for the one you want. Merchant selection and point costs may vary; check each gift card’s terms before redeeming.

Merchant offers provide deals at participating businesses when available. Check the app for current offers and follow each offer’s instructions before making a qualifying purchase. Merchants, offer terms, and availability can change, so review the details before you shop.

Use points for a chance to win a prize through Mystery Box. Open the feature in the app’s Rewards section and review the point cost before entering. A prize is not guaranteed, and available prizes and terms may vary.

The card has no annual fee. You need an active Robinhood Gold membership to get and keep the card, which Robinhood bills separately ($5 a month, or $50 a year when billed yearly). Other card costs, such as interest or applicable transaction fees, may still apply.

No authorized user fee on the Robinhood Gold Card.

Use Points to buy eligible products or services directly from participating third-party merchants, called Rewards Merchants. Look for these options in the app when they're offered. Availability is not guaranteed, and merchants and offers can change.

Turn points into a general statement credit on your card account. Choose statement credit in the rewards redemption options and select the points to apply. A statement credit reduces your balance but may not count toward your required minimum payment.

Convert your Points to cash at $0.01 per point. The cash goes into your Robinhood Financial brokerage account. This rate applies only to conversions into that account, and other redemption options may be worth more or less.

Use points to set up investments in cryptocurrencies you choose when this redemption option is available. Select the recurring crypto investment option in rewards and follow the setup steps. Crypto values can change, and availability and redemption terms may vary.