Well, to be clear, the card has no AF. But, in order to be eligible for the card, you need to be a Robinhood Gold member which costs $60 per year / $5 per month. Or you can pay $50 annually. Gold membership is not without its benefits. A decent (but not astounding) 3.35% HY account for your cash. 3% IRA match (which is actually pretty nice and can easily cover the $50 annual membership fee). Investing perks, etc.
Sending your 3% cash back to a brokerage account is still 3% cash back. If it goes to your HY account, now you're earning interest on your CB.
In fact, if you have your 3% cash back invested into your IRA-matched account, it can easily be argued that the Robinhood Gold card is a 3.09% CB card!!
Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card
Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards
Everyday 4% CB:
US Bank Smartly (v1.0)
Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)
Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)
Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)
On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)
