Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual fees: AvantCard Credit Card $75/yr, SoFi Credit Card $0/yr. Strongest bonus categories: AvantCard Credit Card on everyday spending, SoFi Credit Card on travel.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
Network
No unconditional category winner — 1 category depend on how you earn.
Travel
Depends: via issuer travel portal; Must book through SoFi Travel portal
SoFi Credit Card earns 3X when conditions are met; AvantCard Credit Card earns 1X (1X without restrictions)
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the SoFi Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | AvantCard Credit Card | SoFi Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($75) Ongoing: $45 Year one: $45 | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $120 | SoFi Credit Card | SoFi Credit Card |
| Heavy spender: $4,000/month | Rewards: $480 |
Both scenarios favor the SoFi Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Published annual fees: AvantCard Credit Card $75/yr, SoFi Credit Card $0/yr — a $75 difference before welcome offers and credits.
Key Benefits
Pros
Cons
Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $480 |
| SoFi Credit Card |
| SoFi Credit Card |
The AvantCard Credit Card costs $75/yr — that's $75 more than the SoFi Credit Card (no annual fee). To justify that gap, you need to extract at least $75 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $75 fee gap means the AvantCard Credit Card needs roughly $75 more in annual rewards (or credits you will use) to break even on everyday spending and everyday spend.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
