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Robinhood Card

the only credit card you’ll need
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CARD FEATURE OVERVIEW.

TIERS
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This card is part of the best crypto cards for the following groups:
W BONUS
NONE
REG FEE / REQ
FREE / $1,000/MO DEPOSIT
CASHBACK
0%
NEED KYC
YES
FX FEE
0%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
mastercard
BLOCKCHAIN
Native
REGION
USA
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$1,000
DAILY LIMIT
$3,000
GET THE CARD
W BONUS
NONE
REG FEE / REQ
FREE / $100K+ AUC, $1,000/MO DEPOSIT
CASHBACK
0%
NEED KYC
YES
FX FEE
0%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
mastercard
BLOCKCHAIN
Native
REGION
USA
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$2,500
DAILY LIMIT
$5,000
GET THE CARD
W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
0%
NEED KYC
YES
FX FEE
0%
APR / YIELD
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
mastercard
BLOCKCHAIN
Native
REGION
USA
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$510
DAILY LIMIT
$3,000
GET THE CARD
W BONUS
NONE
REG FEE / REQ
$50/YEAR
CASHBACK
3%
NEED KYC
YES
FX FEE
UP TO 3%
APR / YIELD
YES
CARD TYPE
CREDIT CARD
CARD NETWORK
visa
BLOCKCHAIN
Native
REGION
USA
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
NOT DISCLOSED
DAILY LIMIT
DYNAMIC
GET THE CARD
W BONUS
$3,000+ in annual credits
REG FEE / REQ
$695/YEAR
CASHBACK
YES
NEED KYC
YES
FX FEE
0%
APR / YIELD
YES
CARD TYPE
CREDIT CARD
CARD NETWORK
visa
BLOCKCHAIN
Native
REGION
USA
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
NOT DISCLOSED
DAILY LIMIT
DYNAMIC
GET THE CARD
DEBIT CARD
W BONUS NONE
REG FEE / REQ FREE / $1,000/MO DEPOSIT
CASHBACK 0%
NEED KYC YES
FX FEE 0%
APR / YIELD YES
CARD TYPE VIRTUAL AND PHYSICAL CARD
CARD NETWORK mastercard
BLOCKCHAIN Native
REGION USA
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT $1,000
DAILY LIMIT $3,000
GET IT NOW
DEBIT CARD (PREMIER)
W BONUS NONE
REG FEE / REQ FREE / $100K+ AUC, $1,000/MO DEPOSIT
CASHBACK 0%
NEED KYC YES
FX FEE 0%
APR / YIELD YES
CARD TYPE VIRTUAL AND PHYSICAL CARD
CARD NETWORK mastercard
BLOCKCHAIN Native
REGION USA
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT $2,500
DAILY LIMIT $5,000
GET IT NOW
CASH CARD
W BONUS NONE
REG FEE / REQ FREE
CASHBACK 0%
NEED KYC YES
FX FEE 0%
APR / YIELD NO
CARD TYPE VIRTUAL AND PHYSICAL CARD
CARD NETWORK mastercard
BLOCKCHAIN Native
REGION USA
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT $510
DAILY LIMIT $3,000
GET IT NOW
GOLD CARD
W BONUS NONE
REG FEE / REQ $50/YEAR
CASHBACK 3%
NEED KYC YES
FX FEE UP TO 3%
APR / YIELD YES
CARD TYPE CREDIT CARD
CARD NETWORK visa
BLOCKCHAIN Native
REGION USA
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT NOT DISCLOSED
DAILY LIMIT DYNAMIC
GET IT NOW
PLATINUM CARD
W BONUS $3,000+ in annual credits
REG FEE / REQ $695/YEAR
CASHBACK YES
NEED KYC YES
FX FEE 0%
APR / YIELD YES
CARD TYPE CREDIT CARD
CARD NETWORK visa
BLOCKCHAIN Native
REGION USA
WALLET TYPE CUSTODIAL
MOBILE PAY YES
BANK TRANSFER YES
ATM LIMIT NOT DISCLOSED
DAILY LIMIT DYNAMIC
GET IT NOW
Last Updated: Nov 1, 2026
CASHBACK
Cashback may change, be available for a limited time, have limits, or even be awarded in points or other forms. For precise details, always check the card’s website.
REGIONAL AVAILABILITY
CLICK TO VIEW MAP
Available
Restricted
Not Specified

Platinum Card 10% hotels, 5% dining & flights, 1% other, $3,000+ annual credits.

Perks & Credits

Restaurant credit (15K+ restaurants) - $250 - Annual (allotted monthly)

DoorDash promo - $120 - Annual (allotted monthly)

DashPass membership - $120 - Annual (complimentary)

Flight credit - $300 - Annual ($150 every 6 months)

Hotel credits - $700 - Annual ($250 every 6 months + $100 on-property per stay)

Waymo ride credit - $250 - Annual (allotted monthly)

Global Entry / TSA PreCheck - up to $120 statement credit

Priority Pass lounges - Unlimited - 1,400+ lounges worldwide

WHOOP Peak membership - $239 - Annual (hardware included)

Function Health membership - $365 - Annual (160+ lab tests)

Amazon One Medical - $199 - Annual

Platinum concierge - Text-based - VIP access, events, private flights

THE REAL STORY ON THIS CARD.

PROS
[ STRENGTHS ]
  • thumbs-up-fill GOLD CARD: 3% CASH BACK ON ALL CATEGORIES (TERMS & EXCLUSIONS APPLY)
  • thumbs-up-fill PLATINUM CARD: 10% CASH BACK ON ELIGIBLE HOTELS, 5% ON DINING & FLIGHTS, 1% ON OTHER PURCHASES
  • thumbs-up-fill PLATINUM CARD: OVER $3,000 IN ADVERTISED ANNUAL BENEFIT VALUE; TERMS & ELIGIBILITY APPLY
  • thumbs-up-fill PLATINUM CARD: NO FOREIGN TRANSACTION FEES
  • thumbs-up-fill DEBIT CARD: 0% ROBINHOOD FOREIGN TRANSACTION FEE; SAVINGS APY VARIES
  • thumbs-up-fill AGENTIC CREDIT CARD: AI-AGENT VIRTUAL CARDS VIA MCP, WITH SPENDING LIMITS & TRANSACTION APPROVALS
  • thumbs-up-fill FDIC: ELIGIBLE BANK DEPOSITS INSURED UP TO $250K, SUBJECT TO FDIC RULES
  • thumbs-up-fill DEBIT & CASH CARDS: NO CARD ANNUAL FEE
CONS
[ LIMITATIONS ]
  • thumbs-down-fill US-ONLY AVAILABILITY
  • thumbs-down-fill GOLD CARD: 3% FOREIGN TRANSACTION FEE
  • thumbs-down-fill GOLD CARD: 29.99% VARIABLE APR
  • thumbs-down-fill PLATINUM CARD: $695/YR
  • thumbs-down-fill PLATINUM CARD: INVITATION-ONLY / WAITLIST
  • thumbs-down-fill PLATINUM CONCIERGE: COMING SOON
  • thumbs-down-fill MEMBERSHIP REQUIRED FOR BANKING BENEFITS; AUC DETERMINES TIER
  • thumbs-down-fill CRYPTO: NO DIRECT BTC/ETH SPENDING; NOT A CRYPTO-NATIVE CARD

GENERAL QUESTIONS.

You can view all your credit information on the home tab in the Robinhood Banking app. Select info (circled i) to see a detailed breakdown of your current balance, credit limit, credit utilization, pending transaction amount, and available credit.

There were a number of factors used to determine your credit limit when you completed your application for your Robinhood Gold Card. To determine your credit limit, we look at your income, your full credit profile, known assets, and account history. This process is completely automated and we’re unable to manually review or change this proposed limit.

However, your credit limit will be reviewed automatically over time and you may receive an increase in the future.

There are no actions required to request a credit limit increase as we currently only automatically review accounts for credit limit increases.

The way our credit limit increase process works is that your account is reviewed automatically every few months. If you’re eligible for a credit limit increase, you’ll be notified! There’s no hard credit pull completed when your account is reviewed.

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MORE CRYPTO CARDS.

ROBINHOOD CARD
FEATURE DEBIT CARD DEBIT CARD (PREMIER) CASH CARD GOLD CARD
W BONUS NONE NONE NONE NONE
REG FEE / REQ FREE / $1,000/MO DEPOSIT FREE / $100K+ AUC, $1,000/MO DEPOSIT FREE $50/YEAR
CASHBACK 0% 0% 0% 3%
NEED KYC YES YES YES YES
FX FEE 0% 0% 0% UP TO 3%
APR / YIELD YES YES NO YES
CARD TYPE VIRTUAL AND PHYSICAL CARD VIRTUAL AND PHYSICAL CARD VIRTUAL AND PHYSICAL CARD CREDIT CARD
CARD NETWORK mastercard mastercard mastercard visa
BLOCKCHAIN Native Native Native Native
REGION USA USA USA USA
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