Robinhood Platinum

The Robinhood Platinum is built around its own booking app: 10% back on hotels and car rentals and 5% on flights booked through the Robinhood Banking app, plus 5% on dining anywhere. On top of that sits one of the denser credit stacks around, including up to $500 a year in hotel credits paid $250 every six months, $300 in travel credits paid $150 every six months, $250 for DoorDash, a $250 restaurant credit allotted monthly, $250 for eligible autonomous rides, a $270 health wearables credit, and up to $120 for Global Entry or TSA PreCheck every four years, alongside unlimited Priority Pass lounge access and complimentary One Medical, Function Health, DashPass, and Robinhood Gold memberships. The $695 annual fee only works if you genuinely use those credits, and most are tied to specific merchants, monthly or semi-annual windows, or Robinhood's own booking channel. Away from them the card earns a plain 1% on everything else, and the APR is a flat 29.99% with no intro period. It suits someone who will route travel through Robinhood and spend the credits on schedule, not someone who wants a simple premium card.