Which card earns more rewards, the Birch Lane Mastercard or SoFi Credit Card?

The Birch Lane Mastercard has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Birch Lane Mastercard or the SoFi Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Birch Lane Mastercard or SoFi Credit Card?

The Birch Lane Mastercard has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Birch Lane Mastercard or the SoFi Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Birch Lane Mastercard or SoFi Credit Card?

The Birch Lane Mastercard has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Birch Lane Mastercard or the SoFi Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

CardRewards

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

CardRewards

Birch Lane Mastercard vs SoFi Credit Card

Both cards cost $0/yr. The Birch Lane Mastercard is better for wayfair brands, while the SoFi Credit Card wins on travel. Here's how they compare.

Birch Lane Mastercard

Citi

No image

SoFi Credit Card

SoFi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Birch Lane Mastercard	SoFi Credit Card
Wayfair Brands	7X	1X
Grocery Stores	3X	1X
Online Shopping	2X	1X
Everything Else	1X	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

—

+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

—

−Only 1% cash back if not redeemed to SoFi accounts
−Requires SoFi account to maximize rewards
−Must redeem to SoFi accounts (cannot redeem as statement credit for full rate)
−No bonus categories above 2% (except travel portal)
−No sign-up bonus guaranteed (varies by offer)

Category-by-Category Winner

The Birch Lane Mastercard wins in 3 of 3 categories. The SoFi Credit Card leads in 0.

Wayfair Brands

Birch Lane Mastercard earns 7X vs 1X

Grocery Stores

Birch Lane Mastercard earns 3X vs 1X

Online Shopping

Birch Lane Mastercard earns 2X vs 1X

Which Card Is Right for You?

Get the Birch Lane Mastercard if you:

+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the Birch Lane Mastercard or SoFi Credit Card?: The Birch Lane Mastercard has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Birch Lane Mastercard or the SoFi Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Birch Lane Mastercard — Full Review All Citi Cards

SoFi Credit Card — Full Review All SoFi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi 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.

Birch Lane Mastercard vs SoFi Credit Card

Both cards cost $0/yr. The Birch Lane Mastercard is better for wayfair brands, while the SoFi Credit Card wins on travel. Here's how they compare.

Birch Lane Mastercard

Citi

No image

SoFi Credit Card

SoFi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Birch Lane Mastercard	SoFi Credit Card
Wayfair Brands	7X	1X
Grocery Stores	3X	1X
Online Shopping	2X	1X
Everything Else	1X	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

—

+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

—

−Only 1% cash back if not redeemed to SoFi accounts
−Requires SoFi account to maximize rewards
−Must redeem to SoFi accounts (cannot redeem as statement credit for full rate)
−No bonus categories above 2% (except travel portal)
−No sign-up bonus guaranteed (varies by offer)

Category-by-Category Winner

The Birch Lane Mastercard wins in 3 of 3 categories. The SoFi Credit Card leads in 0.

Wayfair Brands

Birch Lane Mastercard earns 7X vs 1X

Grocery Stores

Birch Lane Mastercard earns 3X vs 1X

Online Shopping

Birch Lane Mastercard earns 2X vs 1X

Which Card Is Right for You?

Get the Birch Lane Mastercard if you:

+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the Birch Lane Mastercard or SoFi Credit Card?: The Birch Lane Mastercard has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Birch Lane Mastercard or the SoFi Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Birch Lane Mastercard — Full Review All Citi Cards

SoFi Credit Card — Full Review All SoFi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards · SoFi cards

Birch Lane Mastercard vs SoFi Credit Card

Both cards cost $0/yr. The Birch Lane Mastercard is better for wayfair brands, while the SoFi Credit Card wins on travel. Here's how they compare.

Birch Lane Mastercard

Citi

No image

SoFi Credit Card

SoFi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Birch Lane Mastercard	SoFi Credit Card
Wayfair Brands	7X	1X
Grocery Stores	3X	1X
Online Shopping	2X	1X
Everything Else	1X	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

—

+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

—

−Only 1% cash back if not redeemed to SoFi accounts
−Requires SoFi account to maximize rewards
−Must redeem to SoFi accounts (cannot redeem as statement credit for full rate)
−No bonus categories above 2% (except travel portal)
−No sign-up bonus guaranteed (varies by offer)

Category-by-Category Winner

The Birch Lane Mastercard wins in 3 of 3 categories. The SoFi Credit Card leads in 0.

Wayfair Brands

Birch Lane Mastercard earns 7X vs 1X

Grocery Stores

Birch Lane Mastercard earns 3X vs 1X

Online Shopping

Birch Lane Mastercard earns 2X vs 1X

Which Card Is Right for You?

Get the Birch Lane Mastercard if you:

+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the Birch Lane Mastercard or SoFi Credit Card?: The Birch Lane Mastercard has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Birch Lane Mastercard or the SoFi Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Birch Lane Mastercard — Full Review All Citi Cards

SoFi Credit Card — Full Review All SoFi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards · SoFi cards