Blue Cash Preferred® Card from American Express
Cash back
Blue Cash Preferred® Card from American Express
American Express - Credit card
4.3
4.3 out of 5
8.6/10
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Head-to-head
Blue Cash Preferred® Card from American Express vs SoFi Smart Card
Compare Blue Cash Preferred® Card from American Express and SoFi Smart Card side by side: fees, rewards, APR, and perks.
Last verified
SoFi Smart Card
Cash back
SoFi Smart Card
SoFi - Mastercard - Credit card
4.6
4.6 out of 5
9.2/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Blue Cash Preferred® Card from American Express | SoFi Smart Card |
|---|---|---|
| Card fee | $95 USD/yr | $120 USD/yr |
| Purchase APR (from) | 19.49% | - |
| Interest-free period | - | - |
| Foreign transaction fee | 2.7% | 0% |
| Rewards | 6% cash back at U.S. supermarkets (up to $6,000/yr, then 1%); 6% on select U.S. streaming subscriptions; 3% at U.S. gas stations and on transit; 1% on other purchases | 5% cash back (as Member Rewards points) on eligible grocery store purchases. Excludes Target, Walmart, warehouse clubs, and convenience stores. |
| Installments | Plan It available (fixed monthly fee installments on purchases $100+) | - |
| No card fee | - | - |
| No foreign transaction fee | - | |
| Welcome bonus | ||
| Airport lounge access | - | - |
| Travel insurance | - | |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the Blue Cash Preferred® Card from American Express if its checked rows above line up with how you spend most.
- Choose the SoFi Smart Card if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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