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 U.S. Bank Cash+® Visa Signature® Card
Compare SoFi Essential Credit Card and U.S. Bank Cash+® Visa Signature® Card side by side: fees, rewards, APR, and perks.
Last verified
U.S. Bank Cash+® Visa Signature® Card
Cash back
U.S. Bank Cash+® Visa Signature® Card
U.S. Bank - Visa - Credit card
4.9
4.9 out of 5
9.8/10
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 | U.S. Bank Cash+® Visa Signature® Card |
|---|---|---|
| Card fee | No fee | No fee |
| Purchase APR (from) | 28.74% | 17.74% |
| 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. | 5% cash back on two chosen categories each quarter (up to $2,000 combined quarterly spend, then 1%); 5% on prepaid travel via Rewards Center; 2% on one chosen everyday category (gas/EV, groceries, or dining); 1% on all other purchases. |
| Installments | - | U.S. Bank ExtendPay® Plans available with $0 fee offer in first 60 days |
| 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 U.S. Bank Cash+® Visa Signature® 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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