Kikoff vs Robinhood Gold Card
Bottom line, net annual cost favours Robinhood Gold Card (€46), while Kikoff comes to €60. On cashback Robinhood Gold Card wins (up to 3%, but the full rate requires Nessuno). The structural difference is custody: Robinhood Gold Card leaves you the keys, while Kikoff holds funds on the platform. Neither wins across the board: weigh the points above against your use case before choosing between Kikoff and Robinhood Gold Card.
| Kikoff | Robinhood Gold Card | |
|---|---|---|
| Tier | B | B |
| Rating | ★ 4.0 | ★ 4.0 |
| Estimated net annual cost | €60 | €46 |
| Network | Visa (Premium/Ultimate) | Visa |
| Card type | Credit card | Revolving credit |
| APR | 0% | — |
| Issuance fee | Free | Free |
| Annual fee | €60/year | Free |
| Free ATM limit | Not disclosed | — |
| ATM withdrawal | Free | not declared |
| FX markup | 0% | 0% |
| Cashback | Not disclosed | 3% in USD · Nessuno |
| On-chain settlement | No | — |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 5/10 | 2/10 |
| Supported countries | US · 1+ countries | US · 1+ countries |
| Regulator | FDIC | FDIC / Visa U.S.A. Inc.; SEC e FINRA per Robinhood Markets |
| OAM Italy registration | No | No |
| Segment | B2C | B2C |
| 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
Kikoff vs Robinhood Gold Card: which is better?
Bottom line, net annual cost favours Robinhood Gold Card (€46), while Kikoff comes to €60. On cashback Robinhood Gold Card wins (up to 3%, but the full rate requires Nessuno). The structural difference is custody: Robinhood Gold Card leaves you the keys, while Kikoff holds funds on the platform. Neither wins across the board: weigh the points above against your use case before choosing between Kikoff and Robinhood Gold Card.
Which is cheaper, Kikoff or Robinhood Gold Card?
On the standard spending profile Robinhood Gold Card has the lowest net annual cost: €46 versus €60 for Kikoff.
Which offers more cashback, Kikoff or Robinhood Gold Card?
Robinhood Gold Card has the highest cashback: up to 3%. Note the top rate often requires token staking and is subject to spending caps.
Is Kikoff custodial or self-custody?
Kikoff is custodial: funds are held by the platform, while Robinhood Gold Card is self-custody.