First-year winner
Robinhood Gold Card
$483 Year 1 edge
$875 vs $392
Compare Cards
Stack up the better credit card
Compare two cards side by side with your real spend, credits, fees, and rewards.
Card A
Card B
Monthly spend
Start with spending categories
Monthly Total
$2,430/mo
Reward assumptions
Credits & benefits
Count the credits and perks you actually expect to use. Credit rows start with conservative default values; edit them for your own merchant, timing, or travel friction.
Card A
Bilt Blue Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Rewards on Eligible Housing Payments
Other · No listed cash value
The current no-annual-fee Bilt card can earn rewards on eligible rent or mortgage payments made through the Bilt app or website without a transaction fee.
Perk
Flexible Rewards Options
Other · No listed cash value
Cardholders can choose between a Housing-only Option that earns Bilt Points on eligible housing payments or a Flexible Bilt Cash Option that earns Bilt Cash on everyday spend.
Perk
Bilt Partner Rewards
Other · No listed cash value
The broader Bilt Rewards ecosystem includes additional partner earning opportunities across Lyft, Bilt Dining, Bilt Travel, Bilt Fitness, Walgreens, Metropolis parking, and home delivery offers.
Card B
Robinhood Gold Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Robinhood Gold Integration
Other · No listed cash value
The card is designed to work inside the Robinhood Gold ecosystem and is most relevant for customers already using that subscription.
Perk
Enhanced Flat-Rate Rewards
Other · No listed cash value
Robinhood Gold Card is positioned as a high-earn flat-rate option relative to the broader no-fee market.
Perk
Travel Portal Upside
Other · No listed cash value
Eligible bookings through Robinhood’s travel flow can unlock elevated travel earning.
Perk
No Annual Fee
Other · No listed cash value
You can keep the card long term without paying a recurring annual fee.
Verdict
Robinhood Gold wins year 1 and long term.
Winner after year 1
Robinhood Gold Card
$583 ongoing edge
$875 vs $292
Long-term breakeven: the higher-reward option needs roughly $0 per year in this spend mix to overcome the fee and benefit gap.
Bilt
Bilt Blue Card
Year One
$392
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$292
Annual rewards + counted benefits - fee
Annual Rewards
$292
1.00% effective return
Welcome Offer
$100
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
No listed offer
No spend threshold in dataset
Why it wins
- • Stays usable for international purchases.
Watch for
- • The points value case is thinner without transfer-partner flexibility.
Robinhood
Robinhood Gold Card
Year One
$875
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$875
Annual rewards + counted benefits - fee
Annual Rewards
$875
3.00% effective return
Welcome Offer
None
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
No listed offer
No spend threshold in dataset
Why it wins
- • Earns well on the spend mix you entered.
- • Stays usable for international purchases.
Watch for
- • There is no meaningful active welcome offer in the current dataset.
- • The points value case is thinner without transfer-partner flexibility.
Spend Mix Math
Where the value actually comes from
Category returns are based on the spend mix you entered, your point-value assumption, and the benefits you chose to count.
Dining
1x
$5,400
Bilt Blue
$54
1.00%
Robinhood Gold
$162
3.00%
Groceries
1x
$7,800
Bilt Blue
$78
1.00%
Robinhood Gold
$234
3.00%
Travel
1x
$3,000
Bilt Blue
$30
1.00%
Robinhood Gold
$90
3.00%
Gas
1x
$1,920
Bilt Blue
$19
1.00%
Robinhood Gold
$58
3.00%
General
1x
$11,040
Bilt Blue
$110
1.00%
Robinhood Gold
$331
3.00%
Total annual spend
$29,160 across this mix
Bilt Blue$292
Robinhood Gold$875
Raw Breakdown
Full side-by-side details
Use the spec table below when you want the literal field-by-field differences in rewards, benefits, transfer partners, fees, and approval profile.
| Metric | Bilt Blue Card | Robinhood Gold Card |
|---|---|---|
| Costs | ||
| Annual fee | Free | Free |
| Foreign transaction fee | None | None |
| Rewards | ||
| Other rewards | 1.25x Up to 1.25x Bilt Points on eligible housing payments under the Housing-only Option, based on Everyday Spend Ratio thresholds, with a monthly floor of 250 points. | — |
| Travel rewards | — | 5x 5x points on travel booked through the Robinhood travel portal. |
| All rewards | 1x 1x Bilt Points on other eligible purchases. | 3x 3x points on eligible purchases for approved Robinhood Gold Card holders. |
| Offer | ||
| Welcome offer | $100 Bilt Cash Earn $100 of Bilt Cash when you apply and get approved. | — |
| Benefits | ||
| Estimated benefits | 3 listed | 4 listed |
| Benefit highlights | Rewards on Eligible Housing Payments · Flexible Rewards Options · Bilt Partner Rewards | Robinhood Gold Integration · Enhanced Flat-Rate Rewards · Travel Portal Upside · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | visa | visa |
| Reward type | Points | Points |
Costs
Annual fee
Bilt Blue Card
Free
Robinhood Gold Card
Free
Foreign transaction fee
Bilt Blue Card
None
Robinhood Gold Card
None
Rewards
Other rewards
Bilt Blue Card
1.25x
Up to 1.25x Bilt Points on eligible housing payments under the Housing-only Option, based on Everyday Spend Ratio thresholds, with a monthly floor of 250 points.
Robinhood Gold Card
—
Travel rewards
Bilt Blue Card
—
Robinhood Gold Card
5x
5x points on travel booked through the Robinhood travel portal.
All rewards
Bilt Blue Card
1x
1x Bilt Points on other eligible purchases.
Robinhood Gold Card
3x
3x points on eligible purchases for approved Robinhood Gold Card holders.
Offer
Welcome offer
Bilt Blue Card
$100 Bilt Cash
Earn $100 of Bilt Cash when you apply and get approved.
Robinhood Gold Card
—
Benefits
Estimated benefits
Bilt Blue Card
3 listed
Robinhood Gold Card
4 listed
Benefit highlights
Bilt Blue Card
Rewards on Eligible Housing Payments · Flexible Rewards Options · Bilt Partner Rewards
Robinhood Gold Card
Robinhood Gold Integration · Enhanced Flat-Rate Rewards · Travel Portal Upside · +1 more
Profile
Credit needed
Bilt Blue Card
Good
Robinhood Gold Card
Good
Network
Bilt Blue Card
visa
Robinhood Gold Card
visa
Reward type
Bilt Blue Card
Points
Robinhood Gold Card
Points