First-year winner
Robinhood Gold Card
$391 Year 1 edge
$875 vs $484
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
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.
Card B
JetBlue Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
JetBlue Travel Perks
Other · No listed cash value
JetBlue co-brand cards are centered on TrueBlue value, airline savings, and cardholder-only travel perks on eligible itineraries.
Perk
In-Flight Savings
Other · No listed cash value
JetBlue cardholders commonly get airline-linked savings or bonus value on eligible in-flight purchases and JetBlue bookings.
Perk
No Annual Fee
Other · No listed cash value
You can keep the card long term without paying a recurring annual fee.
Perk
Travel Rewards Ecosystem
Other · No listed cash value
The card is designed to fit into a broader travel-rewards setup through issuer redemptions, hotel stays, flights, or travel-portal bookings.
Verdict
Robinhood Gold wins year 1 and long term.
Winner after year 1
Robinhood Gold Card
$391 ongoing edge
$875 vs $484
Long-term breakeven: the higher-reward option needs roughly $0 per year in this spend mix to overcome the fee and benefit gap.
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.
Barclays
JetBlue Card
Year One
$484
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$484
Annual rewards + counted benefits - fee
Annual Rewards
$484
1.66% 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
- • No standout edge under the current assumptions.
Watch for
- • Foreign transaction fees make it weaker for international spend.
- • 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
3x
$5,400
Robinhood Gold
$162
3.00%
JetBlue
$108
2.00%
Groceries
3x
$7,800
Robinhood Gold
$234
3.00%
JetBlue
$156
2.00%
Travel
3x
$3,000
Robinhood Gold
$90
3.00%
JetBlue
$90
3.00%
Gas
3x
$1,920
Robinhood Gold
$58
3.00%
JetBlue
$19
1.00%
General
3x
$11,040
Robinhood Gold
$331
3.00%
JetBlue
$110
1.00%
Total annual spend
$29,160 across this mix
Robinhood Gold$875
JetBlue$484
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 | Robinhood Gold Card | JetBlue Card |
|---|---|---|
| Costs | ||
| Annual fee | Free | Free |
| Foreign transaction fee | None | 3% |
| Rewards | ||
| Dining rewards | — | 2x |
| Groceries rewards | — | 2x |
| Travel rewards | 5x 5x points on travel booked through the Robinhood travel portal. | 3x 3x points on eligible JetBlue purchases. |
| All rewards | 3x 3x points on eligible purchases for approved Robinhood Gold Card holders. | 1x |
| Benefits | ||
| Estimated benefits | 4 listed | 4 listed |
| Benefit highlights | Robinhood Gold Integration · Enhanced Flat-Rate Rewards · Travel Portal Upside · +1 more | JetBlue Travel Perks · In-Flight Savings · No Annual Fee · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | visa | mastercard |
| Reward type | Points | Points |
Costs
Annual fee
Robinhood Gold Card
Free
JetBlue Card
Free
Foreign transaction fee
Robinhood Gold Card
None
JetBlue Card
3%
Rewards
Dining rewards
Robinhood Gold Card
—
JetBlue Card
2x
Groceries rewards
Robinhood Gold Card
—
JetBlue Card
2x
Travel rewards
Robinhood Gold Card
5x
5x points on travel booked through the Robinhood travel portal.
JetBlue Card
3x
3x points on eligible JetBlue purchases.
All rewards
Robinhood Gold Card
3x
3x points on eligible purchases for approved Robinhood Gold Card holders.
JetBlue Card
1x
Benefits
Estimated benefits
Robinhood Gold Card
4 listed
JetBlue Card
4 listed
Benefit highlights
Robinhood Gold Card
Robinhood Gold Integration · Enhanced Flat-Rate Rewards · Travel Portal Upside · +1 more
JetBlue Card
JetBlue Travel Perks · In-Flight Savings · No Annual Fee · +1 more
Profile
Credit needed
Robinhood Gold Card
Good
JetBlue Card
Good
Network
Robinhood Gold Card
visa
JetBlue Card
mastercard
Reward type
Robinhood Gold Card
Points
JetBlue Card
Points