SoFi Essential Credit Card
Cash back
SoFi Essential Credit Card
SoFi - Mastercard - Credit card
4.8
4.8 out of 5
9.6/10
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Head-to-head
SoFi Essential Credit Card vs Upgrade Secured OneCard™
Compare SoFi Essential Credit Card and Upgrade Secured OneCard™ side by side: fees, rewards, APR, and perks.
Last verified
Upgrade Secured OneCard™
Cash back
Upgrade Secured OneCard™
Upgrade - Visa - Credit card
4.4
4.4 out of 5
8.8/10
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 | Upgrade Secured OneCard™ |
|---|---|---|
| Card fee | No fee | No fee |
| Purchase APR (from) | 28.74% | 19.99% |
| Interest-free period | - | - |
| Foreign transaction fee | 0% | 3% |
| Rewards | 3% cash back exclusively on purchases made through the SoFi Travel Portal; no everyday rewards on other categories. | Up to 3% cash back on everyday purchases (convenience stores, drugstores, restaurants, gas, utilities, subscriptions) and 2% on all other purchases with a linked Rewards Checking Preferred account via Pay Now ($500 annual cap on 3% tier, then 2%). Without the checking account link, earns 1.5% on all purchases. |
| Installments | - | Dual-mode: Pay Now settles purchases automatically next day from linked bank account (no interest); Pay Later converts purchases into fixed-rate closed-end loans at 19.99% APR. |
| 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 Upgrade Secured OneCard™ 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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