Robinhood Gold Card
Written on: September 25, 2025
Q: Robinhood Gold Card has a flat 3% return on purchases. It requires a Robinhood Gold membership, which has an annual fee of $50. When does it make sense to have that instead of a no annual fee 2% cash back?
Some Ugly Python Code
import matplotlib.pyplot as plt
import numpy as np
x = np.linspace(0, 6000, 600)
y1 = (2 * x) / 100 # 2% of spending
y2 = (3 * x) / 100 - 50 # 3% of spending minus $50
plt.figure(figsize=(10, 6))
plt.plot(x, y1, label='WF Active Cash/Citibank Double Cash', color='red', linewidth=2)
plt.plot(x, y2, label='Robinhood Gold', color='gold', linewidth=2)
plt.title('Credit Card Cash Back Comparison', fontsize=16)
plt.xlabel('Spending ($)', fontsize=12)
plt.ylabel('Cash Back ($)', fontsize=12)
plt.grid(True, linestyle='--', alpha=0.6)
plt.legend()
plt.tight_layout()
plt.show()
A: For spending >$5,000/year.
Last edited: September 25, 2025