Rewards Calculator
Enter monthly spending for an illustrative comparison of a 1% baseline, Robinhood Gold, and a category-based mix. Results are estimates and do not include every fee, exclusion, or redemption constraint.
Monthly Spending
Adjust each category to match your actual spending
1% Baseline Card
$240
per year in rewards
A simple comparison baseline; an actual card may have fees, exclusions, or other benefits.
Robinhood Gold (3 points/$1 eligible)
$670
per year (after $50 Gold sub)
That is $430 more than the 1% baseline after the required $50 annual Gold membership, assuming 1¢-per-point brokerage-cash redemption.
Illustrative Category Mix
$828
gross rewards per year
Gemini (3% dining; 4% gas/EV/transit on $300 combined monthly spend, then 1%) + Coinbase One Card Travel (5% eligible portal bookings) + Prime Visa (5% with eligible Prime) + Robinhood Gold (3 points/$1 eligible elsewhere)
Estimated gross difference versus the 1% baseline: $588. Subtract required memberships and fees before comparing net value.
Coinbase 3% Tier Example
At the $50,000–$199,999.99 eligible-asset tier, eligible non-portal purchases earn 3% in Bitcoin on the first $10,000 each calendar month, then 2%. Eligible Coinbase One Card Travel purchases earn 5% separately and do not consume that cap.
Estimated annual BTC awarded
$768
Required eligible-asset tier
$50k–$199,999.99
This is the dollar value when rewards are awarded, not a future-value forecast. Paid Coinbase One is required. Bitcoin can gain or lose value, and digital assets held on Coinbase are not FDIC- or SIPC-insured.
Cards Used in This Example
⚡ All calculations assume the statement balance is paid in full. Interest and fees can quickly exceed the rewards shown; review the card's live APR and fee terms.