Robinhood Gold Credit Card waitlist
We’re innovating again with the Robinhood Gold Card. It’s the only credit card you’ll need, and it’s exclusively for Robinhood Gold members!
The Gold Card has no annual fee with a Gold subscription, no foreign transaction fees, and you get 3% cash back on all eligible purchases. You’ll also earn even more on travel, getting 4.5% cash back when you book travel through the all-new Robinhood travel portal. Terms apply.
Your reward points are redeemable for travel, gift cards, and shopping at major retailers like Apple, Nike, Bloomingdales, and more. Points can also be redeemed as cash, which can then be transferred to your Robinhood brokerage account to invest, earn interest with the cash sweep program, or withdraw. Terms apply.
In addition to the Robinhood Gold Card, with your Gold membership, you’ll have access to a suite of other Gold benefits including: 4.5% APY on uninvested cash with up to $2.5 million FDIC insurance at a network of partner banks through the cash sweep program and a 3% match on retirement contributions.
Learn more about Robinhood Gold Card features.
If you’re having trouble with the following, contact Robinhood Support:
If you’ve already tried to join the waitlist and the Spending page hasn’t updated, try signing out, make sure you’re on the latest version of the app, and then sign back in. If you still don’t see confirmation that you have joined the waitlist after completing these steps, try joining the waitlist again.
If you’ve tried the steps in this section, and are still having trouble joining the waitlist, contact us at goldcard@robinhood.com.
When you first join the waitlist, you’ll be sent a confirmation email. You can also check on your status directly in the Robinhood app. In the app, go to Spending to confirm that you have joined the waitlist. A gold check mark will show next to You’re on the waitlist as your confirmation. If you joined the waitlist online, you need to download the Robinhood app to view your waitlist status. However, you won’t be able to view your place on the waitlist.
If you have a Spending account and your Spending page didn’t update to confirm your waitlist status, make sure you’ve funded your Spending account and completed the onboarding checklist. Once completed, Spending will update to confirm your waitlist status and allow you to send referral invites.
Once you’re off the waitlist, you’ll receive an email and an in-app notification confirming you can apply for the Gold Card. You can apply in the app in Spending.
If you refer 10 friends who sign up for both the Robinhood Gold Card Waitlist and then Robinhood Gold, you can earn the solid gold Robinhood Gold Card—weighing 36g and made from real 10K gold. After you join the waitlist, you can refer anyone to upgrade to Robinhood Gold within the app.
To refer someone, go to Spending → Invite friends. This allows you to send an invite link directly to your referral. Please note that your referral will first need to join the Robinhood Gold Card Waitlist before upgrading to Robinhood Gold. The email used to join the waitlist will need to be the same email associated with their Robinhood account to be accurately tracked.
After joining the waitlist, your referral will see the option to upgrade to Robinhood Gold directly in their Robinhood app. If they're not a Robinhood customer yet, they will be able to join Robinhood and then upgrade to Gold directly from the waitlist sign up page. Note that they will need to use the same email they used to sign up for the waitlist to create their Robinhood account. A referral is counted once your referee joins the Gold Card Waitlist, upgrades to Robinhood Gold, and makes their first Gold subscription payment.
When there is a change with any of your referrals’ status, you’ll receive an email notification update. This will include how many referrals have upgraded to Gold, and how many referrals have paid their first subscription charge. This allows you to stay updated with your progress towards 10 Gold referrals. Terms apply.
First, join the Gold Card waitlist. When you’re selected to apply, you’ll receive an email and push notification from the Robinhood app as well as see your eligibility to apply in the Spending tab. Just click the link from your invite to start your application. If you have any questions during the application process, you can contact the credit team directly within your application.
There’s no annual fee for the Robinhood Gold Card, however, the card is only available to Robinhood Gold members. If you don’t currently have a Robinhood Gold membership when you apply for the card, once your credit application is approved, you’ll confirm the upgrade to Robinhood Gold membership (including the annual subscription charge) when you accept the terms and conditions of the card. This subscription will be charged to your Robinhood Gold credit card within your first billing cycle. If you already have a Gold membership, we’ll refund a prorated amount for your current subscription and then charge the subscription to your Gold Card. Learn more about Robinhood Gold.
If your application is rejected, you’ll receive an email with additional information about the decision within 7 days. You may be eligible to reapply at a later date. If you’re eligible to reapply, you’ll see the application available to restart in the Spending tab within the Robinhood app. Note that you won’t be eligible to reapply for at least 30 days.
Robinhood Gold Card is offered by Robinhood Credit, Inc., and is issued by Coastal Community Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Robinhood Credit, Inc. (RCT), is a financial technology company, not a bank. The Gold Card requires an annual Robinhood Gold subscription to apply and maintain the card and does not include a 30 day free trial.
Robinhood Gold is a subscription-based membership program of premium services offered through Robinhood Gold, LLC.
The Brokerage Cash Sweep Program is an added feature to your Robinhood Financial LLC brokerage account. Interest is earned on uninvested cash swept from your brokerage account to program banks. Program banks pay interest on your swept cash, minus any fees or charges paid to Robinhood. The Annual Percentage Yield (APY) is 4.5% for Robinhood Gold members as of Sept 19, 2024. Terms apply. The APY might change at any time at the program banks' discretion. Additionally, any fees or charges Robinhood receives may vary and are subject to change. Neither Robinhood Financial LLC nor any of its affiliates are banks.
The 3% matching on contributions requires a subscription with Robinhood Gold (charges apply), must be subscribed to Gold for 1 year after your contribution to keep the full 3% match. You must have compensation (wage income) in order to contribute to an IRA. The funds that earned the match must be kept in the account for at least 5 years to avoid a potential Early IRA Match Removal Fee. For more information refer to the IRA Match FAQ.