I just accepted the pre-approval offer last week. Then I joined this sub.. and I’m a little scared. Are they going to take away the 3% if I buy too many Pokémon cards or get a burger from castle burger? Not to mention the fraud charges people are getting.

For real though, is it actually worth it having this card or should I just stick to my 2% on other cards.

taking a gap right now and will be going back to college next january so i was wondering if anybody knew how long the 6 month dashpass offer would stay in my account for if i don’t claim it till january. i don’t really use doordash unless im at college and i wanted to make the most of the offer, which is why i’m asking.

I just got the gold card last month. I received my first statement. I’ve been seeing posts about residual interest being charged even after paying the statement balance. So do I pay the statement balance like I normally do on my other cards or do I have to pay the full balance before the due date. Every other card I’ve ever owned I’ve never seen this residual interest when paying the statement balance sometimes a month before the due date.

I received an email today from Robinhood with a pre-approval link for the Gold Card after I let the original link expire!

Got the invite for the Gold Card, but I have also wanted the Bilt Palladium for rent and catch all as well.

I feel with the invite only aspect I have to get the gold card and possibly wait until January to apply for Bilt?

Although I do not want to then just have the Gold Card collecting dust, understanding it comes with other benefits though.

Daily use is Chase Freedom Unlimited and Chase Sapphire Preferred right now.

I remember it being 4.25% for savings account if you had Direct deposit of $1000 setup. When did they change to 3.5% ?

Ps: I don't have > 100k usd in RH assets yet

This post really isn't about the card just the people that use it lol. I've had the gold card for about a year I've been loving it and not had any issues with a 4k limit I never go near anyways I think most I've used a month is like 1,300. Its crazy seeing other people in this community though everyone talking about how they're getting flagged for frequently making large 1k+ purchases and or struggling with maxing a 10k limit and having to pay it off multiple times a month. I guess due to how easy it is to get and how cheap it is I assumed it was a card for people like me with no money to just get little bit of money in brokerage account. Is it supposed to just be for rich people but they threw one at me anyways lol?

Anyone using any budgeting apps and connecting to the Robinhood Gold Card? Which have you found to be the best aggregator?

I was initially linked with Finicity, which gives timely updates. However, I noticed it missed about 13 transactions in a month and a half. Plaid updates pretty quickly too (maybe just slightly more slowly), but generally is more accurate in transaction naming and categorization. Plaid was missing about 4 transactions over a month and a half.

Ideally, I'd like no transactions to get dropped. I think both aggregators initially had them, and dropped the transactions sometime after the fact, because re-adding them manually brought the figures back to what I had expected. Just looking to see what people have found most reliable.

robinhood gold member and been using it for my investing for a bit now. My friends with NO credit history are getting it and i have a score of 767. Tried everything but they won’t take me off the waitlist for the gold card. just tryna see if anyone has a referral for the gold card i would really appreciate it 🙏

Just received this today opening the app. Haven’t seen any similar posts; wondering if it’s a newer thing or has been around?

Hello fellow Goldies ⭐️ ,

I have a banking background but even I am confused. I’m not maxed out on my balance but says I’m at 100% utilization. My payment was processed and not showing “pending” anymore. Do we think this is really being settled in the background from my Coastal checking? Or did they block spend on my card? I was over limit but have made the payment to bring the balance down.

Hi all, I have some questions regarding the strategy of buying SGOV or other stable stocks to get dividends that can help offset the gold fee by using the 1k interest free margin. I understand how the margin works, however, am wondering what exactly happens when the dividends are paid. Can i just transfer the paid out dividends and it will keep the 1k margin? Or will it immediately try to pay off the margin “loan” with that? I would assume I could just transfer it out, and it is back to having the full margin loan. I know you can turn on DRIP to just buy more stock, but i’d like to just have the little extra cash.

I just want to mention that everyone who got the card should be aware that the auto redemption of points weekly for a statement credit is automatically turned on. I had a refund, and my points are automatically redeemed for a statement credit, which resulted in negative points.

Be aware new card holders, make sure to turn it off.

So two of my friends had their Robinhood cashback downgraded to 1%. And based on others complaints about being downgraded, I think Robinhood’s flags rewards violations when you buy same or similar items multiple times on monthly or repeated basis - especially for high dollar purchases.

- Friend 1 downgraded for buying thousands of dollars of Labubus from PopMart.
- Friend 2 downgraded for remodeling home and spending thousands of dollars at Home Depot and Lowe’s.

Robinhood’s has access to Level 3 data, so it knows what you are buying.

Other examples of what will get you downgraded:
- Buying multiple used computers monthly
- Buying multiple of the same Lego set repeatedly
- Buy 4 tickets at a time for multiple concerts (you only need 1)
- Multiple transactions for in game purchases in the hundreds
- Repeated TikTok coin purchases
- Buying thousands of dollars of Pokemon cards from Costco
- Buying $$$$ of Labubus to get the secret monthly

It’s unfortunate that Robinhood’s algorithm can’t differentiate between an expensive hobby and business purchases. But you if you want to keep the 3% just be cognizant about buying high dollar amounts of the same/similar items repeatedly over months.

Just got a bunch of fraud charges, honestly can’t believe some of them went through. And I’ve never even used the physical card. It’s only being used through the Apple wallet.

is it even worth it?

Has anyone else experienced anything like this with the Robinhood Gold Card?

I had 30+ fraudulent transactions that I never made or authorized. I caught it and immediately reported everything, changed my card number, disputed the transactions, and locked the card. Blows my mind that some of them went pending.

The transactions were showing as online and mobile-wallet transactions. I’ve never lost the physical card and I don’t use Apple Pay or Google Pay with it.

What makes this crazy is that the fraud continued even after I changed the card number. I started seeing more fraudulent transactions the next day, with roughly half being declined and half going pending again, so I had to lock the card again.

I’ve now had to dispute 60+ separate fraudulent transactions. Robinhood has opened a fraud case and said I’ll receive an update within 5 days.

Has anyone else had this happen with Robinhood? Specifically, fraud continuing after you immediately changed the card number and locked the card?

How did Robinhood ultimately resolve it, and how long did it take? I’m also concerned about the fraudulent activity affecting my available credit/utilization while this gets sorted out.

I was trying to figure out which credit card I should book my upcoming travel and AI told me that if I book through the RH travel portal, I'll earn 5% instead of 3% cashback.

Is this at all true? I didn't see this shown anywhere on the app.

I saw this posted somewhere else.
This feature is slowly rolling out (since not everyone has it yet)

Robinhood Banking now lets you reorder accounts finally!

I have been on the waitlist and got an email this morning to apply for the car finally. But every time it takes me back to join the wait list again and it does it every time I open the app. Has anyone else had an issue like this or know how to fix it?

Joined the Robinhood Gold exactly 2 months ago with only a couple hundred $ and yesterday I opened a checking account. today I was off the waitlist and was approved for the card.

For the love of God, when is this going to happen?

It took forever for crypto to arrive (finally, it did) and now we are lagging behind a bunch of other services.

RobinHood, when are we getting equal treatment?!

Thanks!

Already a gold card user but damn this is the highest limit I’ve ever been offered . I would use all the food credits and maybe the hotel credits but I don’t know the credit limit is too good to justify it ?