SoFi Smart Card
Cash back
SoFi Smart Card
SoFi - Mastercard - Credit card
4.6
4.6 out of 5
9.2/10
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Head-to-head
SoFi Smart Card vs SoFi Unlimited 2% Credit Card
Compare SoFi Smart Card and SoFi Unlimited 2% Credit Card side by side: fees, rewards, APR, and perks.
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SoFi Unlimited 2% Credit Card
Cash back
SoFi Unlimited 2% Credit Card
SoFi - Mastercard - Credit card
5.0
5.0 out of 5
10.0/10
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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 Smart Card | SoFi Unlimited 2% Credit Card |
|---|---|---|
| Card fee | $120 USD/yr | No fee |
| Purchase APR (from) | - | 18.49% |
| Interest-free period | - | 25 days |
| Foreign transaction fee | 0% | 0% |
| Rewards | 5% cash back (as Member Rewards points) on eligible grocery store purchases. Excludes Target, Walmart, warehouse clubs, and convenience stores. | Unlimited 2% cash back on all eligible purchases when redeemed into a SoFi financial account (checking, savings, invest, or loan payoff); 1% when redeemed as a statement credit. 3% cash back on travel booked through SoFi Travel portal. |
| 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 Smart Card if its checked rows above line up with how you spend most.
- Choose the SoFi Unlimited 2% 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.
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