Robinhood Platinum Card
Coastal Community Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Coastal Community Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Robinhood Platinum Card from Coastal Community Bank earns up to 5% effective value on dining in Madeen's catalog snapshot. Its annual fee is $695.
- Top category
- Dining
- Effective value
- 5%
- Annual fee
- $695
Best for dining-heavy spend when the $695 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 5% back. Travel perks may add value beyond the earn rate.
What does the Robinhood Platinum Card earn in each category?
Dining is the strongest category at 5% effective value (5% back). That dining rate ranks higher than about 100% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Robinhood Platinum Card compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at 5x among the top bonus.
Dining is the strongest category at 5% effective value (5% back). That dining rate ranks higher than about 100% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Robinhood Platinum Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 5% back | 5% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Robinhood Platinum Card reward caps and conditions?
The Robinhood Platinum Card has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 5% cash back on Dining on the first $50,000 in spend per year Capped at $50000 per year.
Who should get the Robinhood Platinum Card?
The Robinhood Platinum Card fits spenders who put meaningful volume in dining and can earn 5% back. Best for spenders who put meaningful volume in dining and can earn 5% back. Travel perks may add value beyond the earn rate.
Robinhood Platinum Card fits spenders who put meaningful volume in dining and can earn 5% back. Madeen ranks its dining effective rate higher than about 100% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 5% back. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $695 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 5% effective (5% back).
- That dining rate ranks higher than about 100% of cards we track in the category.
- No foreign transaction fee listed.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $695 annual fee requires enough spend in bonus categories to offset.
Does the Robinhood Platinum Card have an annual fee?
The Robinhood Platinum Card has an annual fee of $695 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $695
- Foreign transaction fee
- None
What travel perks does the Robinhood Platinum Card include?
The Robinhood Platinum Card includes Trusted traveler credit, Lounge access, $200 Health Wearables credit, $250 Autonomous rides credit and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
Stay a step ahead with Global Entry or TSA PreCheck®
Lounge access
Unlimited access to 1,300+ Priority Pass lounges at airports around the globe
What benefits come with the Robinhood Platinum Card?
Extended Warranty Protection
$10,000/yrWhen you use your covered Visa card for your eligible purchases Extended Warranty Protection will extend the term of your eligible manufacturer’s U.S. warranty by 1 additional year on eligible warranties of 3 years or less; for a manufacturer’s warranty of 3 months, the term is extended an additional 12 months for a combined total of 15 months of coverage; for warranties of one year or more an additional year of coverage is provided.
$250 Autonomous rides credit
$3,000/yrOne $20 credit per month with a $30 credit in December. Valid for for qualifying autonomous ride purchases.
$250 Dining credit
$3,000/yrOne $20 credit per month, with a $30 credit in December. Valid at 15,000 participating restaurants.
$250 Doordash credit
$3,000/yrTwo $10 credits per month with three in December. Order must be $50+ to qualify.
Lost Luggage Reimbursement
$3,000/yrWhen you use your covered card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection by the airline or common carrier.
Travel Accident Insurance
$3,000/yrAdd peace of mind to your itinerary. Purchase your airline ticket with your covered Visa card and you can enjoy Travel Accident Insurance.
Return Protection
$1,000/yrWhen you use your covered Visa card to make an eligible purchase, you can get return protection if you are dissatisfied with your item within 90 days of purchase and the merchant will not accept the return.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program; available 24x7; Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
$500 Annual hotel credit
$500/yrFind the perfect room directly in app with up to $250 in statement credit every 6 months. Two-night minimum.
Trip Delay Reimbursement
$500/yrAnticipate delays when you purchase air travel with your covered Visa card. With Trip Delay coverage, you can receive up to $500.00 when you’re stuck for more than 6 hours due to a covered hazard such as equipment failure, inclement weather, strike and hijacking/skyjacking.
$300 Annual travel credit
$300/yrVisit your favorite spots or explore parts unknown with $150 in statement credit every six months for your travel.
$200 Health Wearables credit
$200/yrOne $200 credit per year for health wearable purchases.
Related encyclopedia topics
Common questions about the Robinhood Platinum Card
Where do cardholders spend most with the Robinhood Platinum Card?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (5x), fast food (5x), other food and drink (5x) for the Robinhood Platinum Card. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Robinhood Platinum Card have an annual fee?
The Robinhood Platinum Card carries an annual fee of $695 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Robinhood Platinum Card?
Dining is the strongest Madeen category for the Robinhood Platinum Card at about 5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Robinhood Platinum Card charge foreign transaction fees?
The Robinhood Platinum Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
Is the Robinhood Platinum Card annual fee worth it?
Whether the $695 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the Robinhood Platinum Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Robinhood Platinum Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Robinhood Platinum Card compare to similar cards?
Compare the Robinhood Platinum Card against Robinhood Gold Card (3% on Dining, $0 fee); Aven Home Equity Visa (2% on Dining, $0 fee); X1 Card (1% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Robinhood Platinum Card This card | Dining | 5% | $695 |
Coastal Community Bank | Dining | 3% | $0 |
Coastal Community Bank | Dining | 2% | $0 |
Coastal Community Bank | Dining | 1% | $0 |
Coastal Community Bank | Dining | 0% | $60 |
Where this card ranks
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Coastal Community Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Coastal Community Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure