Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Dining
5%
Travel
1%
Groceries
1%
Where it wins:
Stated credits ($2,024/yr) cover the $695 annual fee on their own — rewards earn on top.
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
5% dining (first $50,000 a year), 5% flights and 10% prepaid hotels through the Robinhood Travel Portal, 1% else
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Dining5%
- Travel1%
- TravelFlights1%
- TravelHotels1%
- Groceries1%
- GasGas & Transit1%
- EntertainmentStreaming1%
- Everything elseShopping1%
- Everything elseOther1%
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- Dining Credit$250/yr
$20 a month at participating restaurants, $30 in January
- DoorDash Credit$120/yr
$10 off one DoorDash order each month
- Flight Credit$300/yr
$150 every six months
- Hotel Credit$500/yr
Up to $250 every six months, plus a $100 property credit per stay
- Waymo Credit$250/yr
$20 a month on Waymo rides, $30 in December
- Function Health$365/yr
Up to $365 a year toward a Function Health membership
- WHOOP Credit$239/yr
Up to $239 a year on whoop.com, through 2027
Benefits
- Lounge Access
Unlimited access to 1,400+ Priority Pass lounges. Guests are $35 each per visit.
- Global Entry / TSA PreCheck
One statement credit of up to $120 every four years for the Global Entry or TSA PreCheck application fee.
- DashPass
Complimentary DashPass membership. Activate on DoorDash with the card saved as a payment method.
- Amazon One Medical
Sponsored Amazon One Medical membership (regularly $199 a year).
- Robinhood Gold
Robinhood Gold membership included with the card.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $695 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.