Robinhood Gold Card vs Coinbase Card
How does Robinhood Gold Card compare to Coinbase Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Coinbase Card · provisional, see how we rate
Quick answer. Robinhood Gold Card and Coinbase Card are both crypto cards — here's how they differ. Key differences: annual fee (Robinhood Gold Card: No card annual fee, but requires a Robinhood Gold subscription ($50/year) vs Coinbase Card: $0 (no annual fee)). Our provisional scoring rates Coinbase Card higher (6.8/10 vs 6.5/10), but the best pick depends on your country and how you spend.
| Feature | Robinhood Gold Card | Coinbase Card |
|---|---|---|
| Our score | 6.5/10 | 6.8/10 |
| Type | Credit | Debit |
| Networks | Visa | Visa |
| Rewards | 3% cash back on all categories (3x points); up to 5x points on travel booked via the Travel Portal; points redeemable into cryptocurrency via Robinhood Crypto at $0.01 per point | Optional crypto rewards on purchases, US card users only, variable reward rate (no fixed rate stated) |
| Annual fee | No card annual fee, but requires a Robinhood Gold subscription ($50/year) | $0 (no annual fee) |
| FX fee | — | — |
| ATM fee | — | — |
| KYC | Full | Full |
| Custody | Custodial | Custodial |
| Supported coins | Card spends USD fiat; reward points can be redeemed into user-selected cryptocurrencies via Robinhood Crypto | Spend USD and crypto held on Coinbase (incl. USDC) with no spending fee; crypto auto-converts to USD at point of sale |
| Availability | United States | US (all states except Hawaii) |
| Apple / Google Pay | — | Yes |
Choose Robinhood Gold Card if…
- You want a credit card that offers a fixed cash back rate of 3% on all purchases, with the potential to earn up to 5x points on travel booked through the Robinhood Travel Portal.
- You are interested in redeeming your rewards into cryptocurrency through Robinhood Crypto, with a clear redemption rate of $0.01 per point.
- You already have a Robinhood brokerage account and are willing to pay for a Robinhood Gold subscription ($50/year) to access this card’s benefits.
- You prefer a card that offers a consistent rewards structure without the need to opt-in or track variable reward rates.
- You are a U.S. resident looking for a Visa card that integrates with your existing Robinhood account.
Choose Coinbase Card if…
- You want a debit card with no annual fees or spending fees, allowing you to spend both USD and cryptocurrencies (including USDC) directly from your Coinbase account.
- You prefer a card that does not require a credit check or application fee, making it more accessible for those who may not qualify for traditional credit cards.
- You are interested in using mobile payment options like Apple Pay and Google Pay, and want the flexibility to spend at over 40 million Visa merchants worldwide.
- You are comfortable with the auto-conversion of crypto to USD at the point of sale, understanding that this may have tax implications.
- You are a U.S. resident (excluding Hawaii) looking for a card that offers optional crypto rewards, even if the rate is not fixed.
Bottom line
When choosing between the Robinhood Gold Card and the Coinbase Card, consider your spending habits and preferences. The Robinhood Gold Card is ideal for those who want a fixed cash back rate and are willing to pay for a subscription to earn rewards that can be easily converted into cryptocurrency. On the other hand, the Coinbase Card is perfect for users who already have a Coinbase account and want the flexibility to spend both fiat and cryptocurrencies without additional fees. It also appeals to those who prefer a debit card with mobile payment options and the potential for crypto rewards, albeit at a variable rate. Ultimately, the best choice depends on your financial goals and how you plan to use the card.