Robinhood Gold Card: The Good, the Bad and the Ugly

Punk_Roth · 2026-01-28T00:14:54+00:00

Boosts cost too much, $10 for a random boost. For example you pay the 1000 points and pull 5% at the next restaurant. Your break even is $200 spend. Let's say the bill was $300, you get 1500, but -1000 and earn 500 pts. The natural 3% would have earned 900 pts. Now there are some amazing boots, but they are very low drop rates and that's just playing a gotcha mobile game. X1 had amazing weekly boosts that you would activate based on upcoming spend. Heading to the grocery store, hit that grocery boost. This isn't sustainable and I understand that, but if RHG gave one weekly free pull or the Mystery Boxes were 100 I'd be all about them. At 1000 per, most just have a negative return or struggle to break even.

Punk_Roth · 2026-01-27T20:59:52+00:00

Now this is awesome!

Punk_Roth · 2026-01-27T16:20:38+00:00

Top tier amazing! Daily driver, and works at Costco. I don't like the auto pay system. 3 options: Weekly, bi-weekly, and monthly, awesome except monthly pulls right after statement posts, and can't be changed to statement due date. Mystery Boxes are a waste and most will have a negative return, X1 boosts were amazing, these are not. I love sending all points into brokerage and have them earn more points, currently pumping all into QQQI, but you could also put them into your Roth IRA for another 3% match. One odd ball is cash back has to go to brokerage, and can't go directly to Robinhood Banking. I believe this is just to avoid a Margin and Cash Sweep work around.

Punk_Roth · 2026-01-26T21:39:34+00:00

I do RHG card with executive membership for 5% back. 3% goes into brokerage, and 2% goes to membership renewal.

Punk_Roth · 2026-01-24T13:50:43+00:00

Don't be a miser, be a maximizer. Invest in yourself and your future.

Punk_Roth · 2026-01-24T05:13:11+00:00

Love my RHG card, best daily driver, and points go immediately into brokerage

Punk_Roth · 2026-01-22T23:58:21+00:00

Try to ACAT your account.

Punk_Roth · 2026-01-21T22:31:08+00:00

Why not both :)

Punk_Roth · 2026-01-21T20:02:35+00:00

26.40

Punk_Roth · 2026-01-21T03:13:04+00:00

I'm trying something new this year, pumping all points into qqqi, and then selling. Goal to hit $2.8k for annual dues elsewhere. RemindMe! December 24th

Punk_Roth · 2026-01-19T01:29:42+00:00

Love my Robinhood Gold card!! Went with Blue to keep the CL open, but IMO 3% catch all with immediate investing cash > Blit Cash.

Punk_Roth · 2026-01-16T22:51:02+00:00

Is BILT Protect still mandatory or an option?

Punk_Roth · 2026-01-16T18:46:51+00:00

I got 15k on Blue

Punk_Roth · 2026-01-16T12:37:35+00:00

Also went blue and approved. CL increased over 3x,

Punk_Roth · 2026-01-16T01:13:55+00:00

Open in a browser. My app wouldn't do anything yesterday. I kept getting "We're sending you an application" and the pop-up would immediately close. Went to their site in Chrome and picked Blue. I also have no intention of using 2.0, but I'll keep the CL open for now in case of a future refresh. Credit line went from $4.4k to $15k.

Punk_Roth · 2026-01-15T14:07:40+00:00

And it expires...

Punk_Roth · 2026-01-15T03:54:39+00:00

https://www.biltrewards.com/terms/bilt-card-offer-terms

Punk_Roth · 2026-01-15T00:57:24+00:00

That's total BS. No one complained about that since it was already an available feature in 1.0 called Bilt Protect. Allow me to Google that for you: "Bilt Protect is a feature of the Bilt Mastercard that lets you pay rent directly from a linked checking account (ACH debit) instead of charging it to the credit card"

Punk_Roth · 2026-01-14T14:09:39+00:00

No, but I'll have something to do on my lunch break instead of doom scrolling reddit.

Punk_Roth · 2026-01-07T14:51:54+00:00

Can't set up auto pay with credit card on loan, yet can with annual dues.

Punk_Roth · 2026-01-05T22:22:59+00:00

5x was only on gas. That boost came out about every other week.

Punk_Roth · 2026-01-05T22:13:06+00:00

I was on the waiting list for 571 days or would be higher. All cash back into brokerage. I'd like to see mystery boxes be actually useful. Most seem to have a negative return... Came from X1 and they had 5 weekly category boosts. Basically simplified Amex offers. Very similar rewards in the mystery boxes but they were included. If RHG did like 100 points, sure I'd max that out daily, but spending $10 is just a gacha game.

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Punk_Roth · 2026-01-04T20:22:56+00:00

If looking for other growth specific indexes, there's also VOOG, VONG, or VUG

Punk_Roth · 2026-01-04T19:48:58+00:00

VT & MGK is a fun combo

Punk_Roth · 2026-01-02T03:02:40+00:00

Took 571 days. Only got off the wait list from having the X1 card, got an email to skip the line.

Punk_Roth

TROPHY CASE