Robinhood Gold vs Robinhood Platinum

Every figure below is from the same dataset Miles computes its recommendations from. Rows the two cards agree on are collapsed at the bottom.

Economics

Dollar figures are per year unless the row says otherwise. Ongoing annual value is Miles' estimate of what the card adds per year after its annual fee: statement credits discounted for realistic use, benefits, and earning above a strong flat-rate card on a typical spending profile. First-year value is a separate net figure that includes the welcome bonus. A welcome bonus shown at its advertised maximum may not be available to every applicant; that figure is not marked as stronger. ★ marks the stronger comparable figure on other rows, and no row is marked when either figure is unknown.
Figure	Robinhood Gold Coastal Community Bank	Robinhood Platinum Coastal Community Bank
Annual fee	Best: $0 $695/yr less	$695
Ongoing annual value, after fee	Best: $550 $297/yr more	$253
First-year value	Best: $325 $362/yr more	−$37
Foreign transaction fee	3%	Best: None
Authorized user fee	—Unknown	—Unknown

Sign-up Bonus

The current welcome offer as recorded in the dataset. No winner is marked: a bonus is points times a valuation times a spend requirement you may or may not clear, and the first-year value above already prices it.
Offer	Robinhood Gold Coastal Community Bank	Robinhood Platinum Coastal Community Bank
Current offer	This card is currently available by waitlist only	This card is currently available by waitlist only

Earning

Percentages are the return on a dollar spent: the multiplier times what Miles values those points at. ★ marks the higher return on a row. Categories only one card earns a bonus on are marked for that card; the other earns its base rate.
Category	Robinhood Gold Coastal Community Bank	Robinhood Platinum Coastal Community Bank
Hotels and rental cars booked through Robinhood portal	—Unknown	Best: 10X10%
Dining	—Unknown	Best: 5X5%
Flights booked through Robinhood portal	—Unknown	Best: 5X5%
Travel bookings made through the Robinhood Travel portal	Best: 5%	—Unknown
All other purchases	Best: 3%	1X1%

Benefits

Statement credits, lounge access and elite status as listed in the dataset; protections are counted, not listed. No winner is marked: twelve small credits are not more than two large ones, and the row that prices them, ongoing annual value, is under Economics.
Benefit	Robinhood Gold Coastal Community Bank	Robinhood Platinum Coastal Community Bank
Statement credits	—Unknown	Travel Credit: $150 (Semi Annual Calendar Year) Hotel Credit: $250 (Semi Annual Calendar Year) Hotel Property Credit: $100 (Per Use) Dining Credit: $20 (Monthly) Rideshare Credit: $20 (Monthly) DoorDash: $10 (Monthly) WHOOP Statement Credit: $239 (Annual) Function Health Statement Credit: $365 (Annual) Global Entry/TSA PreCheck: $120 (Every 4 Years)
Lounge access	Lounge Passes (Points Redemption)	Priority Pass Select
Elite status	—Unknown	Robinhood Gold Gold
Protections	6	9

The same on both cards (4)

Rows where both cards state the same figure or the same earning rate. Nothing is marked, because there is no stronger side.
Fact	Robinhood Gold	Robinhood Platinum
Issuer	Coastal Community Bank	Coastal Community Bank
Rewards currency	Cash Back	Cash Back
Card type	Personal	Personal
Network	Visa	Visa

Which one is right for you

This page shows the difference. It does not pick: the winner depends on what you spend and what you already hold, and adding these figures up without knowing that would be a guess dressed as a verdict. Ask Miles and it computes the answer against your own wallet.

Ask Miles which to get