American Express® Platinum vs Robinhood Gold Card
Side-by-side comparison
| American Express® Platinum | Robinhood Gold Card | |
|---|---|---|
| Annual fee | $895 | $50 |
| Welcome offer | 175,000 Membership Rewards® Points | 3% cash back on every purchase from day one |
| Dining | 1x | 3x |
| Groceries | 1x | 3x |
| Gas | 1x | 3x |
| Travel | 5x | 5x |
| Streaming | 1x | 3x |
| Everything else | 1x | 3x |
| Est. yearly rewards* | $364 | $911 |
| Points type | Transfers to airlines & hotels | Cash back only |
| Network | Amex | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the American Express® Platinum earns about $364 a year in rewards and the Robinhood Gold Card about $911, valuing every point at a flat 1 cent. The American Express® Platinum charges $895, but carries about $1,229 in annual statement credits that offset it for anyone who uses them. The Robinhood Gold Card charges $50, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Robinhood Gold Card delivers more total value, about $778 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and groceries. The bigger difference is the ceiling: the American Express® Platinum earns points you can move to travel partners for outsized value, while the Robinhood Gold Card pays plain cash back. Favor the American Express® Platinum if you will use travel transfers, the Robinhood Gold Card if you want simplicity. On the sign-up bonus, the American Express® Platinum currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Robinhood Gold Card if your spending leans toward dining, groceries, gas.