What Is Robinhood Gold?
Robinhood Gold is a monthly subscription upgrade to your Robinhood account that unlocks premium features designed to help you make smarter investing decisions and earn more from your idle cash.
Benefits include 4% APY on uninvested funds, 3% IRA matches, and professional-level data and tools—all inside the same Robinhood app you already use.
Robinhood Gold Overview
| Offer Type | Best For | Minimum | Fees | Action |
|---|---|---|---|---|
| Cash Account | Investors seeking higher yield, IRA matches, and advanced tools | None | $5/month | Visit Website |
How Robinhood Gold Works
For just $5/month, you get access to tools that can help grow your money faster—without switching platforms.
- Upgrade Your Account: Log into Robinhood and select “Gold” to subscribe.
- Pay Monthly Fee: Robinhood Gold costs $5/month, with no long-term commitment.
- Access Premium Tools: Use Gold features directly within your investing dashboard.
- Earn & Grow: Enjoy higher APY, IRA matching, cash-back rewards, and margin access.
Key Features & Benefits
| Feature | Benefit |
|---|---|
| 4% APY on Uninvested Cash | Earn more on idle funds with FDIC coverage up to $2.5 million. |
| 3% IRA Match | Get a 3% match when contributing to your Robinhood IRA. |
| Robinhood Gold Card | Earn 3% cash back on all purchases; rewards auto-invest or earn interest. |
| Margin Investing | Access $1,000 of margin interest-free; low rates on amounts beyond that. |
| Advanced Market Data | Includes Nasdaq Level II quotes and Morningstar research. |
| Unlock Robinhood Gold Today | |
Pricing & Fees
- Membership Fee: $5 per month
- Margin Rates: Interest-free on first $1,000; 4.7%–5.75% thereafter
Who Is Robinhood Gold Ideal For?
- Investors who want to earn more on idle cash
- Users with IRAs looking to maximize contributions
- Those who want premium research and real-time market data
- Anyone already using Robinhood who wants a high-value upgrade
Trust & Security
- Robinhood is a FINRA-registered broker-dealer
- Cash sweep is FDIC-insured up to $2.5 million through partner banks
- Robinhood app has a 4.2-star rating from 4.5M+ users on the App Store
- Secure login, 2FA, and encrypted data transmission
Frequently Asked Questions
How much does Robinhood Gold cost?
Robinhood Gold is $5/month, with no long-term contract.
What is the APY on uninvested cash?
Gold members earn 4% APY on idle brokerage cash via a cash sweep program.
What’s the benefit of the Gold IRA match?
Robinhood offers a 3% match on eligible IRA contributions for Gold members, helping you grow retirement savings faster.
Do I need good credit for the Gold Card?
Yes, approval for the Gold Card is subject to credit review and underwriting.


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