SoFi Essential Credit Card
Cash back
SoFi Essential Credit Card
SoFi - Mastercard - Credit card
4.8
4.8 out of 5
9.6/10
Apply now
Head-to-head
SoFi Essential Credit Card vs SoFi Everyday Cash Rewards Credit Card
Compare SoFi Essential Credit Card and SoFi Everyday Cash Rewards Credit Card side by side: fees, rewards, APR, and perks.
Last verified
SoFi Everyday Cash Rewards Credit Card
Cash back
SoFi Everyday Cash Rewards Credit Card
SoFi - Mastercard - Credit card
4.8
4.8 out of 5
9.6/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | SoFi Essential Credit Card | SoFi Everyday Cash Rewards Credit Card |
|---|---|---|
| Card fee | No fee | No fee |
| Purchase APR (from) | 28.74% | 19.99% |
| Interest-free period | - | - |
| Foreign transaction fee | 0% | 0% |
| Rewards | 3% cash back exclusively on purchases made through the SoFi Travel Portal; no everyday rewards on other categories. | 3% unlimited cash back on dining at restaurants and food delivery services; 2% on grocery store and convenience store purchases; 1% on all other eligible purchases. |
| Installments | - | - |
| 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 Essential Credit Card if its checked rows above line up with how you spend most.
- Choose the SoFi Everyday Cash Rewards Credit 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.