SoFi Smart Card
Cash back
SoFi Smart Card
SoFi - Mastercard - Credit card
4.6
4.6 out of 5
9.2/10
Apply now
Head-to-head
SoFi Smart Card vs Upgrade Secured OneCard™
Compare SoFi Smart 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 Smart Card | Upgrade Secured OneCard™ |
|---|---|---|
| Card fee | $120 USD/yr | No fee |
| Purchase APR (from) | - | 19.99% |
| Interest-free period | - | - |
| Foreign transaction fee | 0% | 3% |
| Rewards | 5% cash back (as Member Rewards points) on eligible grocery store purchases. Excludes Target, Walmart, warehouse clubs, and convenience stores. | 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 Smart 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.
Want a different match-up?
Line up any two cards side by side, or browse the full list to find your next card.