Robinhood Gold

The Robinhood Gold card's big draw is a flat 3% cash back on everything, rising to 5% on travel booked through the Robinhood travel portal, which is an unusually high base rate. That earn rate can easily outweigh the $50 annual fee for anyone who puts meaningful spending on the card, and travel insurance plus cell phone protection round out the package. The catches are real, though: the card charges a foreign transaction fee, which undercuts its travel appeal abroad, and the 29.99% APR makes carrying a balance costly. There's also no signup bonus listed, so the value builds slowly through everyday spending. If you pay in full each month and spend mostly domestically, it's a compelling single-card setup.