Robinhood Platinum Card vs The Platinum Card® from American Express

Robinhood Platinum Card

Robinhood

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The Platinum Card® from American ExpressThe Platinum Card® from American Express

American Express

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Annual Fee
$695
$895
Card Type
Personal
Personal
Rewards Currency
Cash Back
Membership Rewards
Point Value
1.00¢/pt
2.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
—
100,000 Membership Rewards after $8,000 in 180 days

Effective return by category

CategoryRobinhood Platinum CardThe Platinum Card® from American Express
Airfare1.00%
1x
10.00%
5x · Capped Spending · $500,000 cap
Card Travel Portals5.00%
5x
10.00%
5x
Dining & Restaurants5.00%
5x
2.00%
1x
Everything else1.00%
1x
2.00%
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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