Robinhood Card
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CARD FEATURE OVERVIEW.
| 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 | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $1,000 |
| DAILY LIMIT | $3,000 |
| 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 | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $2,500 |
| DAILY LIMIT | $5,000 |
| 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 | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $510 |
| DAILY LIMIT | $3,000 |
| 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 | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | DYNAMIC |
| 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 | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | DYNAMIC |
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.
- GOLD CARD: 3% CASH BACK ON ALL CATEGORIES (TERMS & EXCLUSIONS APPLY)
- PLATINUM CARD: 10% CASH BACK ON ELIGIBLE HOTELS, 5% ON DINING & FLIGHTS, 1% ON OTHER PURCHASES
- PLATINUM CARD: OVER $3,000 IN ADVERTISED ANNUAL BENEFIT VALUE; TERMS & ELIGIBILITY APPLY
- PLATINUM CARD: NO FOREIGN TRANSACTION FEES
- DEBIT CARD: 0% ROBINHOOD FOREIGN TRANSACTION FEE; SAVINGS APY VARIES
- AGENTIC CREDIT CARD: AI-AGENT VIRTUAL CARDS VIA MCP, WITH SPENDING LIMITS & TRANSACTION APPROVALS
- FDIC: ELIGIBLE BANK DEPOSITS INSURED UP TO $250K, SUBJECT TO FDIC RULES
- DEBIT & CASH CARDS: NO CARD ANNUAL FEE
- US-ONLY AVAILABILITY
- GOLD CARD: 3% FOREIGN TRANSACTION FEE
- GOLD CARD: 29.99% VARIABLE APR
- PLATINUM CARD: $695/YR
- PLATINUM CARD: INVITATION-ONLY / WAITLIST
- PLATINUM CONCIERGE: COMING SOON
- MEMBERSHIP REQUIRED FOR BANKING BENEFITS; AUC DETERMINES TIER
- 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.
USER RATINGS AND REVIEWS.
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| 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 | ||||
| BLOCKCHAIN | ||||
| REGION |