I’m still using Robinhood as my play account, because I haven’t found an alternative with easy to use UX app like Robinhood.
Stock Lending
I get paid $0.01 monthly from stock lending.
Robinhood Gold
I’m paying $5.00 monthly for Robinhood gold to get 3% IRA match and $1000 interest-free margin. Buying 10 SGOV net $4.55 monthly before tax, so the actual monthly cost is less than $1.
With the new 3% credit card, I will move many of my monthly expenses to it, hence it may actually pay to get Robinhood Gold.