Robinhood Gold Card
Robinhood
$50/yrRobinhood Gold Card Points3% foreign feeVisaUsually needs 670+
Waitlist
View issuer offerComparison brief
Robinhood Gold Card vs. Citi Double Cash
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Robinhood Gold Card advertises a full point of extra reward over Citi Double Cash — 3% versus 2%, both modeled as flat, no-category rates. The catch is availability and cost: Robinhood Gold Card is still waitlist/invite-only and requires an active Robinhood Gold subscription ($50/year) plus an individual investing account, while Citi Double Cash is open to anyone today with no subscription, no waitlist, and no annual fee.
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Overview
Citi Double Cash
Citi
No annual feeCiti ThankYou Points3% foreign feeMastercardUsually needs 670+
View issuer offerSome links may become affiliate links; today none pay us. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Which wins on my spending?
Runs the optimizer on these two cards alone, one card allowed, against your own monthly spending.
Earn rates
Everyday categories
Everything else
- Robinhood Gold Card
- 3x
- Citi Double Cash
- 2x
| Category | Robinhood Gold Card | Citi Double Cash |
|---|---|---|
| Everything else | 3x | 2x |
Issuer travel portals 3 categories — only earned when you book through that issuer’s portal
Citi Travel - Attractions
- Robinhood Gold Card
- —
- Citi Double Cash
- 5x
Citi Travel - Hotels
- Robinhood Gold Card
- —
- Citi Double Cash
- 5x
Citi Travel - Rental Cars
- Robinhood Gold Card
- —
- Citi Double Cash
- 5x
| Category | Robinhood Gold Card | Citi Double Cash |
|---|---|---|
| Citi Travel - Attractions | — | 5x |
| Citi Travel - Hotels | — | 5x |
| Citi Travel - Rental Cars | — | 5x |
These cards earn different reward currencies, so no highest rate is labeled; a larger multiplier does not necessarily mean more value. Listed rates can still be subject to portal, spending-cap, or category-selection rules; review each card's details before deciding.
Credits and benefits
Robinhood Gold Subscription
- Robinhood Gold Card
- $0/yr estimated usableUp to $50/yrConditional
- Citi Double Cash
- —
Estimated usable credit value
- Robinhood Gold Card
- $0/yr
- Citi Double Cash
- —
Maximum face value
- Robinhood Gold Card
- $50/yr
- Citi Double Cash
- —
| Credit | Robinhood Gold Card | Citi Double Cash |
|---|---|---|
| Robinhood Gold Subscription | $0/yr estimated usable Up to $50/yr Conditional | — |
| Estimated usable credit value | $0/yr | — |
| Maximum face value | $50/yr | — |
Estimated usable value applies the same conservative assumptions used by the optimizer. Maximum face value assumes every listed credit is used in full.
Find your modeled setup
The optimizer searches eligible portfolios against your stated spending—not just two cards at a time—and reports whether the result was proven within the selected catalog and run inputs.
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