Credit cards for investors
Cards from brokers, and from the banks that own them, that pay rewards straight into an investment account.
| Card | Rewards | Where rewards go | Annual cost | Foreign transaction fee | Catch |
|---|---|---|---|---|---|
| Robinhood Gold Card Robinhood | 3% on everything; 5% on travel booked through Robinhood | Robinhood brokerage account by default | $0 card fee, but requires Robinhood Gold ($5/month or $50/year) | 3% for cards applied for from July 1, 2026 (reported); none before | Invite and waitlist only |
| Fidelity Rewards Visa Signature Fidelity | 2% on everything | Eligible Fidelity accounts: brokerage, IRA, HSA, 529, cash management | $0 | None | 2% only when deposited to Fidelity; issued by Elan Financial Services |
| SoFi Unlimited 2% SoFi | 2% on everything; 3% through SoFi Travel | SoFi Invest, SoFi Money or a SoFi loan | $0 | Not confirmed | Redeeming as a statement credit cuts the value (reported) |
| Schwab Investor Card from American Express Charles Schwab | 1.5% on everything | Eligible Schwab account | $0 | Yes (reported) | Requires a Schwab brokerage account; lowest flat rate here |
| Platinum Card for Schwab (American Express) Charles Schwab | 5x on flights and prepaid hotels booked directly or through Amex Travel; 1x elsewhere | Schwab account at 1.1 cents a point, up to 1 million points a year (0.8 cents after) | $895 | None | Yearly credit of $100 at $250k+ in Schwab assets, $200 at $1M+, $1,000 at $10M+ (reported) |
What the rates are worth
On $30,000 a year of everyday spending, the flat-rate cards work out like this:
- Robinhood Gold Card: $900 back, or $850 after the $50 Gold membership
- Fidelity Rewards Visa: $600, deposited to Fidelity
- SoFi Unlimited 2%: $600, deposited to SoFi
- Schwab Investor Card: $450
The Platinum Card for Schwab is a travel card. Its value depends on how much you fly, whether you use its credits, and how much you keep at Schwab, so it doesn't fit a flat-rate comparison.
Bank-owned brokers with their own programs
Some banks let you send card points into their brokerage arms. These cards aren't tied to the brokers above, but they matter if you already invest there.
- Chase cards and J.P. Morgan: Chase Sapphire, Freedom and Ink points can be invested in a J.P. Morgan Wealth Management account at 1 cent a point (reported).
- Bank of America and Merrill: BofA cash back and Premium Rewards points can be redeemed into Merrill accounts (reported).
- Morgan Stanley (E*TRADE's parent): an Amex Platinum version lets you invest points at 1 cent each (reported).
How to choose
Put the card where your money already lives. Moving a brokerage account to collect an extra 1% on spending rarely makes sense if it costs you a higher margin rate or a lower cash yield. If you're choosing a broker anyway, a card that deposits rewards automatically turns everyday spending into a small, steady contribution.
Card terms change often, and several of these cards changed fees or offers in 2026. Figures marked "reported" come from third-party reviews because the issuer page didn't state them. Check the issuer's current rates and fees before you apply.
Credit card rewards are not investment returns, and carrying a balance at typical card APRs costs far more than any reward earns. BrokerNimble is not a lender and does not give individual financial advice.