Robinhood Gold

A flat 3% back on everything is the whole argument for the Robinhood Gold, and for a $50 annual fee that is an aggressive base rate with no categories to track. Travel booked through Robinhood's own portal earns 5%, and the card adds trip cancellation, trip delay, and lost luggage protection plus cell phone protection when you pay your bill with the card. Two things temper it. The card charges foreign transaction fees, which makes it an awkward companion abroad despite that travel rate and insurance, and the APR is a flat 29.99% with no intro window, so it only works if you pay in full every month. There is also no signup bonus to soften the first year, so the case rests entirely on whether 3% on ordinary domestic spending clears the fee for you.