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 Varo Believe Secured Credit Card
Compare SoFi Smart Card and Varo Believe Secured Credit Card side by side: fees, rewards, APR, and perks.
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Varo Believe Secured Credit Card
Cash back
Varo Believe Secured Credit Card
Varo Bank - Visa - Credit card
4.8
4.8 out of 5
9.6/10
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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 | Varo Believe Secured Credit Card |
|---|---|---|
| Card fee | $120 USD/yr | No fee |
| Purchase APR (from) | - | 0% |
| Interest-free period | - | - |
| 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. | Up to 8% cash back at select partner merchants via Varo Perks. Cashback is automatically deposited to your Varo Bank Account once you reach $5. Monthly cap of $200 in cashback. |
| 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 Varo Believe Secured 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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