SoFi Debit Card (Checking Account)
No rewards
SoFi Debit Card (Checking Account)
SoFi - Mastercard - Debit card
4.4
4.4 out of 5
8.8/10
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Head-to-head
SoFi Debit Card (Checking Account) vs Upgrade Cash Rewards Visa®
Compare SoFi Debit Card (Checking Account) and Upgrade Cash Rewards Visa® side by side: fees, rewards, APR, and perks.
Last verified
Upgrade Cash Rewards Visa®
Cash back
Upgrade Cash Rewards Visa®
Upgrade - Visa - Credit card
4.6
4.6 out of 5
9.2/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | SoFi Debit Card (Checking Account) | Upgrade Cash Rewards Visa® |
|---|---|---|
| Card fee | No fee | No fee |
| Purchase APR (from) | - | 14.99% |
| Interest-free period | - | - |
| Foreign transaction fee | 0% | 3% |
| Rewards | No rewards on debit card purchases. Savings balances earn up to 4.50% APY (with direct deposit); checking balances earn 0.50% APY. | Unlimited 1.5% cash back on all purchases, earned when you pay back your balance. No category restrictions. |
| Installments | - | Each purchase is converted into a fixed-rate, fixed-term installment loan (closed-end loan structure); you choose repayment term. AutoPay available. |
| 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 SoFi Debit Card (Checking Account) if its checked rows above line up with how you spend most.
- Choose the Upgrade Cash Rewards Visa® 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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