Robinhood credit cards
Brokerage app turned card issuer (cards issued by Coastal Community Bank). Launched the invite-only $695 Platinum Card in July 2026. Gold Card accounts opened on or after July 1, 2026 pay a 3% foreign transaction fee.
About Robinhood
Robinhood is a brokerage app that also offers credit cards through Robinhood Credit, Inc., best known for the Robinhood Gold Card, which earns 3 points per dollar on eligible purchases for Robinhood Gold subscribers. The cards are issued by Coastal Community Bank on the Visa network. In July 2026 it launched the invite-only Robinhood Platinum Card with a $695 annual fee.
Robinhood suits you if you already use its app and pay for Robinhood Gold, which costs $50 a year, and you want a high flat rewards rate with the card managed alongside your investing accounts. The limitation: you need that subscription and must join a waitlist before you can apply in the app, and accounts opened on or after July 1, 2026, pay a 3% foreign transaction fee, so the card is a weaker pick for travel abroad.
Notable Robinhood cards
- Robinhood Gold Card
- Robinhood Platinum Card
Robinhood cards compared
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Robinhood Platinum CardRobinhood customers with high dining and travel spend |
$695/yr | 5% dining and flights (combined $50,000/yr cap); 10% hotels and rental… | None | None | Invite-only at launch | — |
Approval rules and tips
Cards tied to Robinhood membership; Platinum Card invite-only at launch.
- You need an active annual Robinhood Gold subscription ($50) to get the Gold Card.
- Join the waitlist first; Robinhood sends an email and push notification when you can apply, and invitations expire after 28 days.
- Robinhood does a soft pull at the start of the application and a hard pull once you accept the Cardholder Agreement.
- The Platinum Card was invite-only at launch.
- Applicants must live in one of the 50 U.S. states.
How to apply for a Robinhood card
Apply in the Robinhood app; the application is not available on the web. Join the Gold Card waitlist first, then watch for an email and push notification, since invitations expire after 28 days. Robinhood does a soft pull at the start and a hard pull only after you accept the Cardholder Agreement. You will need your full name, Social Security number, date of birth, phone, address and estimated annual income.
Customer service: robinhood.com
Robinhood FAQs
What credit cards does Robinhood offer?
Robinhood's notable cards include Robinhood Gold Card, Robinhood Platinum Card. See the cards we review below for fees, rewards and APRs.
Does Robinhood have special approval rules?
Cards tied to Robinhood membership; Platinum Card invite-only at launch.
How do I apply for a Robinhood credit card?
Apply on robinhood.com. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
Do I need Robinhood Gold to get the Robinhood Gold Card?
Yes. Robinhood says the Gold Card is only available to people with an annual Robinhood Gold subscription, which costs $50. The card itself has no annual fee, but you need the subscription to earn its 3 points per dollar, and the annual subscription required for the card does not come with a 30-day free trial.
Does the Robinhood Gold Card charge foreign transaction fees?
It depends on when you opened the account. Robinhood says there is no foreign transaction fee for accounts opened before July 1, 2026, while accounts opened on or after that date pay a 3% foreign transaction fee. If you travel abroad often, compare that cost with cards that charge no foreign fee.
Who issues Robinhood's credit cards?
The Robinhood Gold Card is offered by Robinhood Credit, Inc. and issued by Coastal Community Bank, Member FDIC, under a license from Visa. Robinhood runs the app experience and rewards, while the bank is the legal lender. Card support is handled through Robinhood's apps rather than a branch network.