Robinhood Gold Card vs Bank of America Customized Cash Rewards Credit Card

Side-by-side comparison of Robinhood Gold Card and Bank of America Customized Cash Rewards Credit Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Robinhood Gold Card	Bank of America Customized Cash Rewards Credit Card
Issuer	Robinhood	Bank of America
Network	Visa	Visa
Card Material	Metal	Plastic
Annual Fee	$0.00	$0.00
Base Rate	3.00%	1.00%
Travel Rewards	5.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	3%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	3.0% (base)	1.0% (base)
Category of your choice (up to $2.5K combined w/ grocery per quarter)	3.0% (base)	3.0%
Supermarkets	3.0% (base)	2.0%
Wholesale Clubs	3.0% (base)	2.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	12.24% - 22.24%	18.24% - 28.24%
Cash Advance APR	N/A	29.99%
Penalty APR	N/A	N/A
Late Fee	N/A	$40
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	✓	—
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	✓	—
Purchase Protection	90 days	—
Return Protection	—	—
Roadside Dispatch	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard