Snapshot

SoFi Credit Card
SoFi Credit Card
Chase Sapphire Preferred
Chase Sapphire Preferred
IssuerThe Bancorp BankChase
NetworkMastercardVisa
Card MaterialPlasticMetal
Annual Fee$0.00$95.00
Base Rate2.00%1.00%
Travel Rewards0.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee0%0%
LifecycleAvailableAvailable

Welcome Offer

BonusNoneNone
Spend Requirement
Timeline

Rewards Breakdown

Base Rate2.0% (base)1.0% (base)
Travel2.0% (base)5.0%
Restaurants2.0% (base)3.0%
Supermarkets2.0% (base)3.0%
Streaming2.0% (base)3.0%
Peloton2.0% (base)5.0%
Lyft2.0% (base)5.0%
Anniversary BonusNone0.1
Portal Boost1x1.25x

Benefits & Partners

Transfer PartnersNone14 partners
Annual CreditsNoneNone

Transfer Partners

1:1

Pricing Details

Purchase APR19.99% - 29.99%12.49% - 20.74%
Cash Advance APR29.99%21.74%
Penalty APRN/A23.24%
Late Fee$40$40
Balance Transfer Feeundefined% (min $0)undefined% (min $0)

Insurance & Protections

Auto RentalSecondary
Baggage Delay
Baggage Loss
Cell Phone ProtectionUp to $1,000 per claim
Extended Warranty
Purchase Protection120 days
Return Protection
Roadside DispatchPay-per-use
Trip Cancellation Interruption
Trip Delay
Tsa Precheck Global Entry

Usability & Experience

Digital WalletN/AN/A
Instant Card Number
Credit BureausN/AN/A

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard