PayPal Cashback Mastercard vs Robinhood Gold Card
Side-by-side comparison
| PayPal Cashback Mastercard | Robinhood Gold Card | |
|---|---|---|
| Annual fee | No annual fee | $50 |
| Welcome offer | No current offer | 3% cash back on every purchase from day one |
| Dining | 1.5x | 3x |
| Groceries | 1.5x | 3x |
| Gas | 1.5x | 3x |
| Travel | 1.5x | 3x |
| Streaming | 1.5x | 3x |
| Everything else | 1.5x | 3x |
| Est. yearly rewards* | $437 | $875 |
| Points type | Cash back only | Cash back only |
| Network | Mastercard | 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 PayPal Cashback Mastercard earns about $437 a year in rewards and the Robinhood Gold Card about $875, valuing every point at a flat 1 cent. The PayPal Cashback Mastercard has no annual fee, so its rewards are all profit. 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 $387 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and groceries. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use.
Pick the Robinhood Gold Card if your spending leans toward dining, groceries, gas.