First-year winner
Robinhood Gold Card
$177 Year 1 edge
$875 vs $698
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
Wells Fargo Autograph Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Cellular Telephone Protection
Cell Phone · No listed cash value
Can provide coverage for eligible cell phone damage or theft when the monthly wireless bill is paid with the card.
Perk
Auto Rental Collision Damage Waiver
Rental Car · No listed cash value
Can provide coverage for eligible rental car damage or theft on qualifying rentals.
Perk
Travel and Emergency Assistance Services
Travel Insurance · No listed cash value
Access to referrals and coordination support while traveling away from home.
Perk
Roadside Dispatch
Other · No listed cash value
Access to a pay-per-use roadside assistance dispatch service.
Perk
Visa Signature Concierge
Concierge · No listed cash value
Eligible cardholders can request concierge assistance for travel, dining, and event planning needs.
Perk
Visa Signature Luxury Hotel Collection
Travel Credits · No listed cash value
Eligible bookings can include space-available upgrades and on-property hotel benefits.
Verdict
Robinhood Gold wins year 1 and long term.
Winner after year 1
Robinhood Gold Card
$377 ongoing edge
$875 vs $498
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.
Wells Fargo
Wells Fargo Autograph Card
Year One
$698
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$498
Annual rewards + counted benefits - fee
Annual Rewards
$498
1.71% effective return
Welcome Offer
$200
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$1,000
3 mo window · $333/mo pace · Comfortable
Why it wins
- • Stays usable for international purchases.
Watch for
- • 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%
Wells Fargo Autograph
$162
3.00%
Groceries
3x
$7,800
Robinhood Gold
$234
3.00%
Wells Fargo Autograph
$78
1.00%
Travel
3x
$3,000
Robinhood Gold
$90
3.00%
Wells Fargo Autograph
$90
3.00%
Gas
3x
$1,920
Robinhood Gold
$58
3.00%
Wells Fargo Autograph
$58
3.00%
General
3x
$11,040
Robinhood Gold
$331
3.00%
Wells Fargo Autograph
$110
1.00%
Total annual spend
$29,160 across this mix
Robinhood Gold$875
Wells Fargo Autograph$498
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 | Wells Fargo Autograph Card |
|---|---|---|
| Costs | ||
| Annual fee | Free | Free |
| Foreign transaction fee | None | None |
| Rewards | ||
| Dining rewards | — | 3x |
| Gas rewards | — | 3x |
| Streaming rewards | — | 3x |
| Travel rewards | 5x 5x points on travel booked through the Robinhood travel portal. | 3x |
| Utilities rewards | — | 3x Transit and select phone plans represented under utilities category. |
| All rewards | 3x 3x points on eligible purchases for approved Robinhood Gold Card holders. | 1x |
| Offer | ||
| Welcome offer | — | 20,000 pts Spend $1,000 in 3 mo |
| Benefits | ||
| Estimated benefits | 4 listed | 6 listed |
| Benefit highlights | Robinhood Gold Integration · Enhanced Flat-Rate Rewards · Travel Portal Upside · +1 more | Cellular Telephone Protection · Auto Rental Collision Damage Waiver · Travel and Emergency Assistance Services · +3 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | visa | visa |
| Reward type | Points | Points |
Costs
Annual fee
Robinhood Gold Card
Free
Wells Fargo Autograph Card
Free
Foreign transaction fee
Robinhood Gold Card
None
Wells Fargo Autograph Card
None
Rewards
Dining rewards
Robinhood Gold Card
—
Wells Fargo Autograph Card
3x
Gas rewards
Robinhood Gold Card
—
Wells Fargo Autograph Card
3x
Streaming rewards
Robinhood Gold Card
—
Wells Fargo Autograph Card
3x
Travel rewards
Robinhood Gold Card
5x
5x points on travel booked through the Robinhood travel portal.
Wells Fargo Autograph Card
3x
Utilities rewards
Robinhood Gold Card
—
Wells Fargo Autograph Card
3x
Transit and select phone plans represented under utilities category.
All rewards
Robinhood Gold Card
3x
3x points on eligible purchases for approved Robinhood Gold Card holders.
Wells Fargo Autograph Card
1x
Offer
Welcome offer
Robinhood Gold Card
—
Wells Fargo Autograph Card
20,000 pts
Spend $1,000 in 3 mo
Benefits
Estimated benefits
Robinhood Gold Card
4 listed
Wells Fargo Autograph Card
6 listed
Benefit highlights
Robinhood Gold Card
Robinhood Gold Integration · Enhanced Flat-Rate Rewards · Travel Portal Upside · +1 more
Wells Fargo Autograph Card
Cellular Telephone Protection · Auto Rental Collision Damage Waiver · Travel and Emergency Assistance Services · +3 more
Profile
Credit needed
Robinhood Gold Card
Good
Wells Fargo Autograph Card
Good
Network
Robinhood Gold Card
visa
Wells Fargo Autograph Card
visa
Reward type
Robinhood Gold Card
Points
Wells Fargo Autograph Card
Points