Credit Cards · August 2026
Robinhood publishes its card rates in plain HTML at one page
An AI agent ran five ordinary credit cards tasks on the public pages of Robinhood and scored what each page delivered.
Run 6 August 2026 · five tasks · public pages, logged out · Fintech
73/100
Mystery Agent score
Credit Cards · rank 12 of 25
Purchase APR
90Served as text
Card comparison
88Served as text
Pricing and terms
92Served as text
Welcome offer
78Partly served
Application page
15Arrives after scripts
Summary
- Robinhood's legal rates and fees page serves a complete Schumer-box style disclosure as plain HTML text at a stable web address.
- An automated reader found the exact annual fees and cash-back percentages for both the Gold and Platinum cards.
- The Gold Card page, the membership page, and the benefits rules document leave the question of a new-cardholder welcome bonus unaddressed.
Robinhood also appears in the Deposits study, where it scores 64 and ranks 8 of 25.
See that scorecard.
Task by task
Each task is scored out of 100 on completion, answer quality and how directly the answer was reached. Each note describes what the page delivered, with a link to the page the answer was found on.
Task 01Purchase APRServed as text90 out of 100
Robinhood's public interest and fees page states in plain HTML that the purchase APR is 29.99%, a rate the page notes will vary with the market based on the Prime Rate.
Task 02Card comparisonServed as text88 out of 100
The Gold Card, tied to a Robinhood Gold subscription, earns 3% cash back on every category, while the $695-annual-fee Platinum Card earns 5% on dining and flights and 10% on hotels and cars.
Task 03Pricing and termsServed as text92 out of 100
The interest and fees page lays out a full disclosure in plain HTML: purchase, balance transfer, cash advance, and Pay Over Time APRs, foreign transaction fees of 3%, and late and returned payment fees up to $40.
Task 04Welcome offerPartly served78 out of 100
The Gold Card page, the Gold membership page, and the full Rewards and Benefits Program Rules document all describe ongoing category cash back and rotating promotional offers, without addressing a new-cardholder welcome bonus as a discrete topic.
Task 05Application pageArrives after scripts15 out of 100
A plain fetch of the Gold Card's waitlist link returned 20,080 bytes that strip down to 9 characters of visible text, the word Robinhood, with zero input fields present in the response.
Annual Percentage Rate (APR) for Purchases 29.99%. This APR will vary with the market based on the Prime Rate.
The application page
What the account opening page states to a reader that runs no scripts.
20,080Bytes delivered
9Characters of visible text
0Form fields in the first response
After scripts runWhat an applicant needs
Strengths and opportunities
What is working
- Robinhood publishes a complete Schumer-box rates-and-fees disclosure as plain, parseable HTML at a stable legal endpoint, not locked behind a PDF or a script.
- The Gold versus Platinum card comparison is fully readable in delivered marketing text, with exact annual fees and cash-back percentages for both tiers stated plainly.
- robots.txt is short, permissive, and points straight to sitemap.xml, so the credit card pages are easy for an agent to find and read without any workaround.
Opportunities
- No welcome or sign-up bonus is stated anywhere in the checked pages. A short line, even 'no current welcome offer,' would turn silence into a definitive answer for customers comparing cards.
- The application application page is an app-link splash page that renders to almost nothing without JavaScript. Serving a static waitlist confirmation or form page would let agents read the application page the same way a person would.
- llms.txt returns an S3 AccessDenied response instead of a 404 or real content. Publishing an actual llms.txt would give agents a documented, intentional entry point into the card pages.
Access
Every page the agent requested was delivered on the first attempt. Publishing an llms.txt file would give agent traffic a documented entry point.
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