Robinhood Gold

The Robinhood Gold card's main draw is its flat 3% cash back on everything, a high base rate that beats most catchall cards, plus 5% on travel booked through the Robinhood travel portal. The tradeoff is a $50 annual fee, which a moderate spender will cover quickly at 3%, but it is still a cost to weigh against no-fee flat-rate options. Travel insurance covering trip cancellation, trip delay, and lost luggage, along with cell phone protection, add real value. However, the card charges a foreign transaction fee, which undercuts that 3% on purchases abroad despite the travel perks. The APR is a steep 29.99%, so this card only makes sense if you pay in full every month and do most of your spending at home.