Citi American Airlines AAdvantage® MileUp® Card vs SoFi Smart Card: fees, rewards and APR compared - DebitCue Skip to content
DebitCue

Select your country to see available cards

Card eligibility and availability depend on your country of residence. Setting it now lets us hide cards that are not offered in your country.

Head-to-head

Citi American Airlines AAdvantage® MileUp® Card vs SoFi Smart Card

Compare Citi American Airlines AAdvantage® MileUp® Card and SoFi Smart Card side by side: fees, rewards, APR, and perks.

Last verified

Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

Citi American Airlines AAdvantage® MileUp® Card versus SoFi Smart Card compared by attribute
Feature Citi American Airlines AAdvantage® MileUp® Card SoFi Smart Card
Card fee No fee $120 USD/yr
Purchase APR (from) 19.49% -
Interest-free period - -
Foreign transaction fee 3% 0%
Rewards 2X AAdvantage miles at grocery stores and on eligible American Airlines purchases; 1X on all other purchases. 5% cash back (as Member Rewards points) on eligible grocery store purchases. Excludes Target, Walmart, warehouse clubs, and convenience stores.
Installments 0% intro APR on purchases for 12 months from account opening -
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 Citi American Airlines AAdvantage® MileUp® Card 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.

Want a different match-up?

Line up any two cards side by side, or browse the full list to find your next card.