---
title: Is Robinhood Gold Worth It? The 3 Benefits I Actually Use
description: How I’m using Robinhood Gold for a 3% IRA match, 3.5% checking interest, and 3% cash back.
keywords: robinhood, investing, retirement, IRA, banking, credit cards
date: 2026, 09, 10
---

## Investing

This post is a bit different from my technical blog posts. I believe we are entering a period with AI and government spending where it will be more important than ever to be invested in equities and gain interest on any assets you have. I've recently switched most of our financial activities over to Robinhood, and I felt like I should share the Robinhood Gold bonuses I'm taking advantage of with my readers in case you would want to take advantage of them as well.

## Retirement

You can open an IRA and immediately get a 3% match. If you have a company match with your employer up to a certain percentage and have already met it for the year, you can get an extra $225 from this IRA match.

## Banking

Robinhood has a newer separate banking app as well. The first benefit is the 3.5% interest on your checking account which can add up quickly if you keep a large cash balance. For example, a $10,000 balance would be an extra $350 per year. The second is the credit card, which gives you 3% cash back on all purchases. I was impressed that the cash back was immediately given after you purchase before the transaction even finalizes.

That's all I wanted to say on this one, here's my [referral link if you want an extra bonus for signing up](https://join.robinhood.com/rossr2).