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Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About

Blog
Contact

Product

Documentation

Legal

Terms of Service
Privacy Policy
Cookie Policy
Accessibility

Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About

Blog
Contact

Product

Documentation

Legal

Terms of Service
Privacy Policy
Cookie Policy
Accessibility

American Express Gold Card vs SoFi Smart Card — Full Comparison (2026)

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/
Compare
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American Express Gold Card vs SoFi Smart Card

American Express Gold Card vs SoFi Smart Card

A detailed side-by-side comparison to help you choose the right card for your spending.

American Express Gold Card

American Express Gold Card

American Express

SoFi Smart Card

SoFi

Annual Fee

$325

$0

Welcome Bonus

60,000 Flex point

—

Base Earn Rate

1X

—

Top Earn Categories

4X Dining

4X Grocery Stores

3X Flights

2X Hotels

5X Grocery Stores

Network

AMEX

MASTERCARD

Key Benefits

✓Travel credit

✓Travel insurance

✓Purchase protection

None

Pros

+4X points on dining worldwide - industry leading
+4X at U.S. supermarkets up to $25k/year
+$424 in annual credits offset $325 fee
+No foreign transaction fees
+Transfer to 20+ airline and hotel partners

—

Cons

−$325 annual fee with no waived first year
−4X grocery excludes Costco, Walmart, Target
−No lounge access included
−Limited non-food spending categories
−Amex acceptance less universal than Visa/MC

—

The Bottom Line

The SoFi Smart Card has a lower annual fee ($0 vs $325), making it the more accessible option.

The American Express Gold Card justifies its higher fee with premium perks and travel credits.

Explore More

American Express Gold Card — Full Review All American Express Cards

SoFi Smart Card — Full Review All SoFi Cards

Browse all comparisons →Browse all card categories →

Home
/
Compare
/
American Express Gold Card vs SoFi Smart Card

American Express Gold Card vs SoFi Smart Card

A detailed side-by-side comparison to help you choose the right card for your spending.

American Express Gold Card

American Express Gold Card

American Express

SoFi Smart Card

SoFi

Annual Fee

$325

$0

Welcome Bonus

60,000 Flex point

—

Base Earn Rate

1X

—

Top Earn Categories

4X Dining

4X Grocery Stores

3X Flights

2X Hotels

5X Grocery Stores

Network

AMEX

MASTERCARD

Key Benefits

✓Travel credit

✓Travel insurance

✓Purchase protection

None

Pros

+4X points on dining worldwide - industry leading
+4X at U.S. supermarkets up to $25k/year
+$424 in annual credits offset $325 fee
+No foreign transaction fees
+Transfer to 20+ airline and hotel partners

—

Cons

−$325 annual fee with no waived first year
−4X grocery excludes Costco, Walmart, Target
−No lounge access included
−Limited non-food spending categories
−Amex acceptance less universal than Visa/MC

—

The Bottom Line

The SoFi Smart Card has a lower annual fee ($0 vs $325), making it the more accessible option.

The American Express Gold Card justifies its higher fee with premium perks and travel credits.

Explore More

American Express Gold Card — Full Review All American Express Cards

SoFi Smart Card — Full Review All SoFi Cards

Browse all comparisons →Browse all card categories →

Home
/
Compare
/
American Express Gold Card vs SoFi Smart Card

American Express Gold Card vs SoFi Smart Card

A detailed side-by-side comparison to help you choose the right card for your spending.

American Express Gold Card

American Express Gold Card

American Express

SoFi Smart Card

SoFi

Annual Fee

$325

$0

Welcome Bonus

60,000 Flex point

—

Base Earn Rate

1X

—

Top Earn Categories

4X Dining

4X Grocery Stores

3X Flights

2X Hotels

5X Grocery Stores

Network

AMEX

MASTERCARD

Key Benefits

✓Travel credit

✓Travel insurance

✓Purchase protection

None

Pros

+4X points on dining worldwide - industry leading
+4X at U.S. supermarkets up to $25k/year
+$424 in annual credits offset $325 fee
+No foreign transaction fees
+Transfer to 20+ airline and hotel partners

—

Cons

−$325 annual fee with no waived first year
−4X grocery excludes Costco, Walmart, Target
−No lounge access included
−Limited non-food spending categories
−Amex acceptance less universal than Visa/MC

—

The Bottom Line

The SoFi Smart Card has a lower annual fee ($0 vs $325), making it the more accessible option.

The American Express Gold Card justifies its higher fee with premium perks and travel credits.

Explore More

American Express Gold Card — Full Review All American Express Cards

SoFi Smart Card — Full Review All SoFi Cards

Browse all comparisons →Browse all card categories →