Is the AvantCard Credit Card worth the higher annual fee?

The AvantCard Credit Card costs $59/yr vs $0/yr for the SoFi Credit Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the AvantCard Credit Card or SoFi Credit Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the AvantCard Credit Card or the SoFi Credit Card?

Choose the SoFi Credit Card if you want lower fees and solid rewards. Pick the AvantCard Credit Card if you spend enough to justify the $59/yr fee through its premium benefits and higher earn rates.

Is the AvantCard Credit Card worth the higher annual fee?

The AvantCard Credit Card costs $59/yr vs $0/yr for the SoFi Credit Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the AvantCard Credit Card or SoFi Credit Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the AvantCard Credit Card or the SoFi Credit Card?

Choose the SoFi Credit Card if you want lower fees and solid rewards. Pick the AvantCard Credit Card if you spend enough to justify the $59/yr fee through its premium benefits and higher earn rates.

Is the AvantCard Credit Card worth the higher annual fee?

The AvantCard Credit Card costs $59/yr vs $0/yr for the SoFi Credit Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the AvantCard Credit Card or SoFi Credit Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the AvantCard Credit Card or the SoFi Credit Card?

Choose the SoFi Credit Card if you want lower fees and solid rewards. Pick the AvantCard Credit Card if you spend enough to justify the $59/yr fee through its premium benefits and higher earn rates.

AvantCard Credit Card vs SoFi Credit Card

The SoFi Credit Card ($0/yr) is better for everyday value, while the AvantCard Credit Card ($59/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

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Fees & Welcome Offer

Annual Fee

$59

Welcome Bonus

—

Earn Rates

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+Unsecured card with no security deposit required
+Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
+Available to consumers with fair or limited credit
+Credit limits up to $1,000
+No cash advance feature helps prevent debt accumulation

+2% unlimited cash back on all purchases when redeemed to SoFi accounts
+3% cash back on travel booked through SoFi Travel portal
+No annual fee
+No foreign transaction fees
+No balance transfer fee for transfers within first 30 days

Cons

−$59 annual fee (may vary based on credit profile)
−High APR of 30.24%-35.99% makes carrying a balance expensive
No rewards or cash back on purchases

Is the Fee Difference Worth It?

The AvantCard Credit Card costs $59/yr — that's $59 more than the SoFi Credit Card (no annual fee). To justify that gap, you need to extract at least $59 in annual value from the card's higher earn rates and benefits.

Bottom line: The $59 difference is small enough that the AvantCard Credit Card's extra perks make it worth considering for most cardholders.

Which Card Is Right for You?

Get the SoFi Credit Card if you:

+Want strong rewards without a large annual fee commitment

The Bottom Line

The SoFi Credit Card has a lower annual fee ($0 vs $59), making it the more accessible option.

Choose the SoFi Credit Card if you want solid rewards with a lower cost of entry. Choose the AvantCard Credit Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the AvantCard Credit Card worth the higher annual fee?: The AvantCard Credit Card costs $59/yr vs $0/yr for the SoFi Credit Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the AvantCard Credit Card or SoFi Credit Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the AvantCard Credit Card or the SoFi Credit Card?: Choose the SoFi Credit Card if you want lower fees and solid rewards. Pick the AvantCard Credit Card if you spend enough to justify the $59/yr fee through its premium benefits and higher earn rates.

Explore More

AvantCard Credit Card — Full Review All Webbank Cards

SoFi Credit Card — Full Review All SoFi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Webbank cards · SoFi cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

AvantCard Credit Card vs SoFi Credit Card

The SoFi Credit Card ($0/yr) is better for everyday value, while the AvantCard Credit Card ($59/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

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