Robinhood Platinum
Coastal Community Bank$695 a yearVisa InfiniteNo foreign transaction feeIssuer's page
Not open to new applicants.
Already have it? Keep it.
Waitlist only
With no current offer, the first year counts no welcome bonus.
| First-year value | Amount |
|---|---|
| No current offer | $0 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$108 |
| Credits you'll likely useof $950 face value | +$550 |
| Annual fee | −$695 |
| First year | −$37 |
| Each year after | +$253 |
Not counted in the first year: lounge access and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 5X | Diningup to $50,000 a year, then 1X | 5% |
| 5X | Flights booked through Robinhood portal | 5% |
| 10X | Hotels and rental cars booked through Robinhood portal | 10% |
| 1X | Everything else | 1% |
Noteworthy perks
- Hotel Credit$500 a year
- Travel Credit$300 a year
- Priority Pass Select
Personal card · Earns Cash Back
Benefits
Credits & Perks (9)
- Travel Credit: $150 (Semi Annual Calendar Year)
$150 every six calendar months for direct bookings with any airline or bookings through Robinhood Travel Portal
- Hotel Credit: $250 (Semi Annual Calendar Year)
$250 every six calendar months for luxury hotels booked through Robinhood Travel Portal (2-night minimum stay; up to $100 can be used for standard hotel bookings)
- Hotel Property Credit: $100 (Per Use)
$100 on-property credit for eligible hotel services with every qualifying premium hotel booking made through the Robinhood Travel Portal. A qualifying booking is a minimum stay of two consecutive nights at a participating hotel. Per booking, so it cannot be annualized; allow up to 8 weeks for the statement credit to post.
- Dining Credit: $20 (Monthly)
$20 per month ($30 in December) for participating restaurants
- Rideshare Credit: $20 (Monthly)
$20 per month ($30 in December) for autonomous rides (Waymo)
- DoorDash coupon: $10 off 1 order (Monthly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
One $10 off discount each calendar month on one qualifying DoorDash delivery order, with no order minimum, once the complimentary DashPass membership has been activated through the card. Applies to subtotal only; unused value is forfeited and the discount expires in the calendar month it is issued.
- WHOOP Statement Credit: $239 (Annual)
Up to $239 per year in statement credits for purchases on whoop.com -- a WHOOP Peak or other WHOOP membership, or any goods or services bought on whoop.com. It is a whoop.com credit, not a general wearables credit: a Garmin, Oura or Apple Watch bought anywhere else does not qualify. Must be activated in the Robinhood app BEFORE the purchase is made, and the credit can take up to 8 weeks to post. Offer runs through 12/31/2027. Source: Robinhood's own Platinum Card benefits overview (api.robinhood.com/creditcard/legal/platinum-benefits-overview), checked 2026-09-06.
- Function Health Statement Credit: $365 (Annual)
Up to $365 in statement credits per year when the card is used to buy an annual Function Health membership (160+ lab tests and clinician insights). Each paid authorized user is eligible for their own $365. Must be activated in the Robinhood app, and the credit can take up to 8 weeks to post. Residents of Hawaii and Rhode Island are not eligible.
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Up to $120 Global Entry or TSA PreCheck credit every 4 years
Lounge Access (1)
- Priority Pass Select
Elite status (1)
- Robinhood Gold: Gold
Protections (9)
- Trip Delay Reimbursement, up to $500, Reimburses reasonable expenses up to $500 per ticket when an air trip is delayed more than 6 hours or requires an overnight stay.
- Trip Cancellation/Interruption Insurance, up to $2,000, Covers up to $2,000 per trip for prepaid, non-refundable air, ferry, train, bus, or cruise travel; claims must be filed within 20 days of the cancellation or interruption.
- Travel Accident Insurance, Up to $500,000 accidental death and dismemberment coverage while traveling by air, ferry, cruise, train, or bus; claims must be filed within 20 days of the accident.
- Lost Luggage Reimbursement, up to $3,000, Up to $3,000 per trip for lost or stolen checked or carry-on luggage on air, ferry, cruise, train, or bus travel ($2,000 per bag maximum for NY residents); claims must be filed within 20 days of the loss.
- Travel and Emergency Assistance Services, 24/7 multilingual medical and legal referral, emergency transportation, and other travel assistance for the cardholder, spouse, and dependent children under 22.
- Purchase Protection, up to $10,000, Covers eligible purchases against damage or theft for 90 days from the date of purchase; theft claims require a police report within 48 hours of becoming aware of the theft.
- Extended Warranty, up to $10,000, Adds one additional year of coverage to the existing manufacturer's U.S. warranty on warranties of three years or less; claims must be filed within 60 days of purchase.
- Return Protection, up to $300, Reimburses eligible items you're dissatisfied with, within 90 days of purchase, if the merchant won't accept the return; items must be received by the benefit administrator in like-new/good working condition. Excludes consumables and services.
- Auto Rental Collision Damage Waiver (primary), Primary coverage for physical damage, vandalism, theft, reasonable towing and loss-of-use charges when you decline the rental agency's CDW; claims must be filed within 90 days of the incident.
Other Perks
- Robinhood Gold membership status included
- Complimentary DashPass membership for the primary cardholder (activate on the DoorDash platform with the card saved as a payment method); required to receive the monthly DoorDash discount.
- Amazon One Medical sponsored membership (virtual care and priority in-person appointments) for the primary cardholder and each paid authorized user; activate in the Robinhood app and enroll on the One Medical platform. A regular One Medical annual membership costs $199. Robinhood sponsors the membership directly, so there is no statement credit to earn.
- Annual Oura Ring membership (requires purchase of an Oura Ring to activate) for primary cardholder and paid authorized users
The Robinhood family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Visa InfiniteOct 14, 2026
- changed from null to Robinhood PlatinumOct 8, 2026
- changed from null to waitlistAug 29, 2026
- changed from null to 0Jul 30, 2026
- changed from Currently available by waitlist only; no welcome offer announced to This card is currently available by waitlist onlyJul 28, 2026
- changed from null to VisaJul 28, 2026
- addedJul 28, 2026
- changed from null to Can downgrade: false; Can upgrade: false; Family id: robinhood_personal; Family name: Robinhood; Is top tier: true; Siblings: Slug: robinhood-gold-card; Tier: 1; Tier name: Gold; Tier: 2; Tier name: PlatinumJul 27, 2026