Chime Card vs Robinhood Gold Card
On the standard spending profile Chime Card is cheaper: €0 net per year versus €46 for Robinhood Gold Card. On cashback Chime Card wins (up to 5%, but the full rate requires Nessuno). The structural difference is custody: Robinhood Gold Card leaves you the keys, while Chime Card holds funds on the platform. In our editorial rating Chime Card leads (4.5 vs 4.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Chime Card and Robinhood Gold Card.
| Chime Card | Robinhood Gold Card | |
|---|---|---|
| Tier | A | B |
| Rating | ★ 4.5 | ★ 4.0 |
| Estimated net annual cost | €0 | €46 |
| Network | Visa | Visa |
| Card type | Credit card | Revolving credit |
| APR | 0% | — |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| Free ATM limit | 47.000+ ATM gratuiti (Allpoint) | — |
| ATM withdrawal | Free | not declared |
| FX markup | 0% | 0% |
| Cashback | 5% in USD · Nessuno | 3% in USD · Nessuno |
| On-chain settlement | No | — |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 4/10 | 2/10 |
| Supported countries | US · 1+ countries | US · 1+ countries |
| Regulator | FDIC / OCC | FDIC / Visa U.S.A. Inc.; SEC e FINRA per Robinhood Markets |
| OAM Italy registration | No | No |
| Segment | B2C | B2C |
| Past incidents | 2021: a wave of sudden user-account closures with thousands of complaints (ProPublica investigation); Chime later revised its procedures. · May 2024: a ~$4.55M CFPB settlement (customer redress plus a penalty) for delays in refunding balances after account closure. | — |
| Backing | — | Unsecured |
| Issuing bank | — | Coastal Community Bank |
| Membership required | — | Robinhood Gold $5/mese o $50/anno (fatturato a parte) |
| Funding / solidity | — | Robinhood Markets, Inc. è una società di servizi finanziari statunitense fondata nel 2013 a Menlo Park (California), quotata al NASDAQ con ticker HOOD. La Gold Card è offerta da Robinhood Credit, Inc. ed emessa da Coastal Community Bank (membro FDIC). |
| Regions | US | US |
| Licences & safety | Partner bank charter | Emessa da Coastal Community Bank (FDIC), su licenza Visa U.S.A. Inc.; offerta da Robinhood Credit, Inc. |
Frequently asked questions
Chime Card vs Robinhood Gold Card: which is better?
On the standard spending profile Chime Card is cheaper: €0 net per year versus €46 for Robinhood Gold Card. On cashback Chime Card wins (up to 5%, but the full rate requires Nessuno). The structural difference is custody: Robinhood Gold Card leaves you the keys, while Chime Card holds funds on the platform. In our editorial rating Chime Card leads (4.5 vs 4.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Chime Card and Robinhood Gold Card.
Which is cheaper, Chime Card or Robinhood Gold Card?
On the standard spending profile Chime Card has the lowest net annual cost: €0 versus €46 for Robinhood Gold Card.
Which offers more cashback, Chime Card or Robinhood Gold Card?
Chime Card has the highest cashback: up to 5%. Note the top rate often requires token staking and is subject to spending caps.
Is Chime Card custodial or self-custody?
Chime Card is custodial: funds are held by the platform, while Robinhood Gold Card is self-custody.