American Express® Gold Card vs Robinhood Platinum Card

American Express® Gold CardAmerican Express® Gold Card

American Express

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Robinhood Platinum Card

Robinhood

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Annual Fee
$325
$695
Card Type
Personal
Personal
Rewards Currency
Membership Rewards
Cash Back
Point Value
2.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
60,000 Membership Rewards after $6,000 in 180 days
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Effective return by category

CategoryAmerican Express® Gold CardRobinhood Platinum Card
Card Travel Portals10.00%
5x
5.00%
5x
Dining & Restaurants8.00%
4x · Capped Spending · $50,000 cap
5.00%
5x
Groceries8.00%
4x · Capped Spending · $25,000 cap
1.00%
1x
Everything else2.00%
1x
1.00%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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