SoFi Essential Credit Card vs SoFi Everyday Cash Rewards Credit Card vs SoFi Smart Card vs SoFi Unlimited 2% Credit Card
We don’t hold confirmed fee or interest figures for these cards, so we can’t say which costs less. The table shows everything we do hold.
- SoFi Essential Credit Card
- Credit Building
- SoFi Everyday Cash Rewards Credit Card
- Cash Back, Rewards
- SoFi Smart Card
- Secured
- SoFi Unlimited 2% Credit Card
- Cash Back
- SoFi Essential Credit Card
- Mastercard
- SoFi Everyday Cash Rewards Credit Card
- Mastercard
- SoFi Smart Card
- Mastercard
- SoFi Unlimited 2% Credit Card
- Mastercard
Not confirmed for any of these cards: Annual fee, Purchase interest (APR), Foreign transaction fee, Top earn rates, Welcome offer, Rewards program. We leave these out rather than show a row of blanks — check the issuer’s own terms for them.
Lower lowest figure, marked only when every card’s figure is confirmed by the issuer’s or a regulator’s published document Not confirmed: we hold no checked figure — a blank is not a claim of zero On file, but not yet checked with the issuer — confirm it on their own page
Swap or add a card
- SoFi Essential Credit Card
- SoFi Everyday Cash Rewards Credit Card
- SoFi Smart Card
- SoFi Unlimited 2% Credit Card
Which one?
Cost is only half of it. Match each card’s earn rates and welcome offer to where your money actually goes, confirm anything marked “not confirmed” with the issuer, then open the full review for the card that fits.
Frequently asked
Can I hold SoFi Essential Credit Card, SoFi Everyday Cash Rewards Credit Card, SoFi Smart Card and SoFi Unlimited 2% Credit Card at the same time?
In most cases, yes. Holding cards from different issuers is common and can help you cover more spending categories. Check each issuer's own policies for any restrictions.
Are these cards available in United States?
Every card in this comparison is issued for United States. Approval depends on each issuer's credit and income criteria.