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There is an annual fee of $0 and a monthly fee of $0 on the account, so keeping the card open carries no charge. The fees that matter sit on usage rather than on ownership, mainly currency conversion and interest on any balance you carry.

It is a credit card, not a debit card. Spending draws on a credit line that you pay back, and interest applies if you do not clear it. The card is issued by Robinhood Credit, Inc., which is based in the US.

The purchase rate is 29.99% APR, applied to balances carried from one statement to the next. Cash back is only worth having if you clear that balance, so treat the rate as the price of using the card as a short term loan.

You earn 3% cash back on all categories, and the reward type is cashback rather than points or miles. Because the rate covers every category, there is no need to track bonus buckets or rotating offers, which keeps the card straightforward across a normal month.

Foreign purchases are charged a currency conversion fee of 3%, on top of anything the merchant or the visa network adds. Acceptance is broad, but that conversion charge makes it a weak card for trips with heavy foreign spending.

The issuer is registered with the NMLS in the US under licence 1781911. That registration sits with the credit business, so the relationship is with a card issuer rather than a savings provider, and a balance is credit you owe rather than money held for you.

A virtual card is available, and Trip interruption protection, Virtual/disposable card numbers and Family cardholders of any age with spending limits and instant card lock lists extras that include trip interruption protection, spending limits for family cardholders and an instant card lock. You can add family members and cap what they spend without an authorised user fee.

Support runs through help centre, so questions are answered in writing rather than on a call. There is no phone line or live chat listed, which is worth weighing before you pick a card for anything time sensitive.