topic Re: Finally Off the RH Gold Card Wait List in Credit Cards

Finally Off the RH Gold Card Wait List

Patient957 — Fri, 06 Feb 2026 00:03:20 GMT

I decided not to go for it when it was available on CK. But I have been thinking about upping my CB game. RH Gold is $50 per year, so it's not a no AF card. Do I want this or not? Can't decide. I'd have to put 5K per year on it to justify it's use over a no AF 2% catchall. $400+ per month. Just to break even. Hmm.

Anyone want to talk me into it? Or out of it?

Leaning no.

Re: Finally Off the RH Gold Card Wait List

ptatohed — Fri, 06 Feb 2026 02:59:55 GMT

Personally, I won't do business with Robinhood ever again (long story, but I had bought a few thousand in crypto and they froze my account when I tried to transfer out cash that I had transferred in, put me under review, kept moving back their decision date, meanwhile I am giving them everything they asked for, frozen for weeks, then they just sold my crpto and transferred all my money out and closed my account).

But, that's easy for me to say when I have other 3% options - Smartly 4%, AOD 3% with cap, heck, even citi Double Cash 2% + 1% when paid with a debit card. There's also the 3% Aven card. If I had no other 3% options, who knows, maybe the RH 3% would look good.

But, for you, I'd say skip it but, do consider this. What if you could get $50+ of value out of the $50/yr RHG membership? Don't they have a 2 - 3% IRA match? Not a bad benefit. You'd cover your annual membership fee in no time.

Re: Finally Off the RH Gold Card Wait List

GZG — Fri, 06 Feb 2026 00:40:58 GMT

@Patient957 wrote:

I decided not to go for it when it was available on CK. But I have been thinking about upping my CB game. RH Gold is $50 per year, so it's not a no AF card. Do I want this or not? Can't decide. I'd have to put 5K per year on it to justify it's use over a no AF 2% catchall. $400+ per month. Just to break even. Hmm.

Anyone want to talk me into it? Or out of it?

Leaning no.

I'd lean no as well

anything that might be construed as "business spend" will either get your rewards revoked or the card nerfed to 1% or your account closed entirely

no reason to have a card where a shark is watching over every transaction just waiting for you to give them a reason not to pay you out

Re: Finally Off the RH Gold Card Wait List

Stuart89 — Fri, 06 Feb 2026 01:13:29 GMT

If you can get that solid gold card, it might be worth it! But if you’re on the fence as is, you should probably just trust your gut and go with the no fee alternative.

Re: Finally Off the RH Gold Card Wait List

Patient957 — Fri, 06 Feb 2026 04:12:06 GMT

@ptatohed wrote
But, that's easy for me to say when I have other 3% options - Smartly 4%, AOD 3% with cap...

I saw you mentioned in another thread that joining AOD involves lots of hoop jumping. I'm an avid mountain biker, so no problem with that particular requirement. But what other hoops could I expect if I were to try to join?

Re: Finally Off the RH Gold Card Wait List

ElvisCaprice — Fri, 06 Feb 2026 06:46:31 GMT

@Patient957 wrote:
@ptatohed wrote
But, that's easy for me to say when I have other 3% options - Smartly 4%, AOD 3% with cap...
I saw you mentioned in another thread that joining AOD involves lots of hoop jumping. I'm an avid mountain biker, so no problem with that particular requirement. But what other hoops could I expect if I were to try to join?

I would rather, and have, the AVEN & Robinhood for 3% CC's. With AVEN, no hard pull unless approved, 1% extra for SUB on first 10k with referal. With Robinhood, you get the preapproval, just lock down Experian for no hard pull. Easy to make back that $50 subscription fee if you use the RH platform and then some. If one gets nerfed or isn't working on a trip, pull out the other one.

Re: Finally Off the RH Gold Card Wait List

ptatohed — Fri, 06 Feb 2026 07:07:19 GMT

@Patient957 wrote:
@ptatohed wrote
But, that's easy for me to say when I have other 3% options - Smartly 4%, AOD 3% with cap...
I saw you mentioned in another thread that joining AOD involves lots of hoop jumping. I'm an avid mountain biker, so no problem with that particular requirement. But what other hoops could I expect if I were to try to join?

It's been a while. But I remember a selfie with the date and 'AOD' written on a piece of paper. I think a few paycheck stubs. Docusign. Needing to join a club and then cancel. Etc.

Re: Finally Off the RH Gold Card Wait List

Patient957 — Fri, 06 Feb 2026 13:45:22 GMT

@ptatohed wrote:
@Patient957 wrote:
@ptatohed wrote
But, that's easy for me to say when I have other 3% options - Smartly 4%, AOD 3% with cap...
I saw you mentioned in another thread that joining AOD involves lots of hoop jumping. I'm an avid mountain biker, so no problem with that particular requirement. But what other hoops could I expect if I were to try to join?

It's been a while. But I remember a selfie with the date and 'AOD' written on a piece of paper. I think a few paycheck stubs. Docusign. Needing to join a club and then cancel. Etc.

The dated AOD paper sounds a little weird, but otherwise not too bad. Thanks for the info.

Re: Finally Off the RH Gold Card Wait List

Patient957 — Fri, 06 Feb 2026 13:50:18 GMT

@ElvisCaprice wrote:
Easy to make back that $50 subscription fee if you use the RH platform and then some.

I will take a look at that and reconsider.

With Robinhood, you get the preapproval, just lock down Experian for no hard pull.

So, unlock EX -> Preapproval -> lock EX -> Hit apply?

Re: Finally Off the RH Gold Card Wait List

ElvisCaprice — Fri, 06 Feb 2026 15:48:44 GMT

@Patient957 wrote:

With Robinhood, you get the preapproval, just lock down Experian for no hard pull.
So, unlock EX -> Preapproval -> lock EX -> Hit apply?

yup, you got it, more like accept for apply.

Re: Finally Off the RH Gold Card Wait List

GZG — Fri, 06 Feb 2026 23:44:11 GMT

@Patient957 wrote:
@ptatohed wrote
But, that's easy for me to say when I have other 3% options - Smartly 4%, AOD 3% with cap...
I saw you mentioned in another thread that joining AOD involves lots of hoop jumping. I'm an avid mountain biker, so no problem with that particular requirement. But what other hoops could I expect if I were to try to join?

pretty sure it's an EQ HP just to join and they are chex sensitive if you're into bank bonuses

Re: Finally Off the RH Gold Card Wait List

Patient957 — Sat, 07 Feb 2026 00:58:42 GMT

@GZG wrote:
@Patient957 wrote:
@ptatohed wrote
But, that's easy for me to say when I have other 3% options - Smartly 4%, AOD 3% with cap...
I saw you mentioned in another thread that joining AOD involves lots of hoop jumping. I'm an avid mountain biker, so no problem with that particular requirement. But what other hoops could I expect if I were to try to join?

pretty sure it's an EQ HP just to join and they are chex sensitive if you're into bank bonuses

Thanks. Do you know if they can use the same HP for a CC app? Or membership plus credit card = 2 HPs?

Re: Finally Off the RH Gold Card Wait List

Patient957 — Sat, 18 Apr 2026 23:18:29 GMT

Update: They gave me two 30-day countdowns, and after those expired I got this today:

Maybe they'll eventually convince me.

Re: Finally Off the RH Gold Card Wait List

ElvisCaprice — Sat, 18 Apr 2026 23:45:30 GMT

What's to convince? They got plenty of folks lining up for it. Either you want it or not. Like I said, before, if you can use the Gold membership, $50 subscription fee, to your advantage, it's a go. The AVEN is the best choice, overall, in my opinion. Both even better.