Robinhood Gold Card vs PayPal Cashback Mastercard®: Which Earns More?
The verdict
On typical spending the Robinhood Gold Card nets $859 a year after fees, $283 more than the PayPal Cashback Mastercard® at $576. That flips at about $40/month of spending, where the PayPal Cashback Mastercard® takes the lead.
Who earns more, by the numbers
| Spending level | Robinhood Gold Card | PayPal Cashback Mastercard® | Winner |
|---|---|---|---|
| Light spender ($1,200/mo) | $427/yr | $288/yr | Robinhood Gold Card |
| Typical spender ($2,400/mo) | $859/yr | $576/yr | Robinhood Gold Card |
| Heavy spender ($4,500/mo) | $1,615/yr | $1,080/yr | Robinhood Gold Card |
Net of annual fees, typical category mix at baseline point values. The winner flips at about $40/month of spending.
Robinhood Gold Card
Robinhood
3.3/5
Annual Fee:$0 (requires Robinhood Gold at $5/month)
APR:N/A
Welcome Bonus: No welcome bonus
Rewards: 3% cash back on all purchases with Robinhood Gold membership ($5/month). Without Gold, rewards are lower.
EARNS MORE ON TYPICAL SPEND
The tables above are computed from each card's typed rewards rates and current
fees, on the same spending profiles used across the site. Editorial context to
follow.
FAQ
Which is better, the Robinhood Gold Card or the PayPal Cashback Mastercard®?▼
On typical spending the Robinhood Gold Card nets $859 a year after fees, $283 more than the PayPal Cashback Mastercard® at $576. That flips at about $40/month of spending, where the PayPal Cashback Mastercard® takes the lead.
What is the annual fee difference between the Robinhood Gold Card and the PayPal Cashback Mastercard®?▼
The PayPal Cashback Mastercard® charges no annual fee, versus $5 for the Robinhood Gold Card — a $5 difference every year.