Robinhood Gold Card vs PenFed Power Cash Rewards Visa Signature®: Which Earns More?
The verdict
On typical spending the Robinhood Gold Card nets $859 a year after fees, $283 more than the PenFed Power Cash Rewards Visa Signature® at $576. That flips at about $40/month of spending, where the PenFed Power Cash Rewards Visa Signature® takes the lead.
Who earns more, by the numbers
| Spending level | Robinhood Gold Card | PenFed Power Cash Rewards Visa Signature® | 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 PenFed Power Cash Rewards Visa Signature®?▼
On typical spending the Robinhood Gold Card nets $859 a year after fees, $283 more than the PenFed Power Cash Rewards Visa Signature® at $576. That flips at about $40/month of spending, where the PenFed Power Cash Rewards Visa Signature® takes the lead.
What is the annual fee difference between the Robinhood Gold Card and the PenFed Power Cash Rewards Visa Signature®?▼
The PenFed Power Cash Rewards Visa Signature® charges no annual fee, versus $5 for the Robinhood Gold Card — a $5 difference every year.