OpenSky Secured Visa vs Robinhood Gold Card
On the standard spending profile OpenSky Secured Visa is cheaper: €35 net per year versus €46 for Robinhood Gold Card. On cashback OpenSky Secured Visa wins (up to 10%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Robinhood Gold Card does better (0% vs 3%). The structural difference is custody: Robinhood Gold Card leaves you the keys, while OpenSky Secured Visa holds funds on the platform. The choice depends on your real spending profile: redo the math with your volumes before picking between OpenSky Secured Visa and Robinhood Gold Card.
| OpenSky Secured Visa | Robinhood Gold Card | |
|---|---|---|
| Tier | A | B |
| Rating | ★ 4.3 | ★ 4.0 |
| Estimated net annual cost | €35 | €46 |
| Network | Visa | Visa |
| Card type | Credit card | Revolving credit |
| APR | 23.89% | — |
| Issuance fee | €32 | Free |
| Annual fee | Free | Free |
| Free ATM limit | Not disclosed | — |
| ATM withdrawal | 5% | not declared |
| FX markup | 3% | 0% |
| Cashback | 10% in USD · Nessuno | 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 / OCC | 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 | National bank charter | Emessa da Coastal Community Bank (FDIC), su licenza Visa U.S.A. Inc.; offerta da Robinhood Credit, Inc. |
Frequently asked questions
OpenSky Secured Visa vs Robinhood Gold Card: which is better?
On the standard spending profile OpenSky Secured Visa is cheaper: €35 net per year versus €46 for Robinhood Gold Card. On cashback OpenSky Secured Visa wins (up to 10%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Robinhood Gold Card does better (0% vs 3%). The structural difference is custody: Robinhood Gold Card leaves you the keys, while OpenSky Secured Visa holds funds on the platform. The choice depends on your real spending profile: redo the math with your volumes before picking between OpenSky Secured Visa and Robinhood Gold Card.
Which is cheaper, OpenSky Secured Visa or Robinhood Gold Card?
On the standard spending profile OpenSky Secured Visa has the lowest net annual cost: €35 versus €46 for Robinhood Gold Card.
Which offers more cashback, OpenSky Secured Visa or Robinhood Gold Card?
OpenSky Secured Visa has the highest cashback: up to 10%. Note the top rate often requires token staking and is subject to spending caps.
Is OpenSky Secured Visa custodial or self-custody?
OpenSky Secured Visa is custodial: funds are held by the platform, while Robinhood Gold Card is self-custody.
Which is better for spending abroad?
For foreign-currency spending Robinhood Gold Card wins, with the lowest FX markup: 0%.