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.
SoFi Credit Card vs Venmo Credit Card (2026)
Home / Compare / SoFi Credit Card vs Venmo Credit Card SoFi Credit Card vs Venmo Credit Card Both cards cost $0/yr. The SoFi Credit Card is better for travel, while the Venmo Credit Card wins on top spend category. Here's how they compare.
Earn Rates Category SoFi Credit Card Venmo Credit Card Dining 1X 3X Entertainment 1X 3X Gas Stations 1X 3X Grocery Stores 1X 3X Health Beauty 1X 3X Top Spend Category 1X
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+ No annual fee+ Automatic 3% back on your top spending category each month+ Automatic 2% back on your second-highest category+ No category tracking or activation required+ Cash back deposits directly to Venmo balanceCons
− 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)Category-by-Category Winner The Venmo Credit Card wins in 10 of 10 categories. The SoFi Credit Card leads in 0.
W Top Spend Category
Venmo Credit Card earns 3X vs 1X
W Dining
Venmo Credit Card earns 3X vs 1X
W Entertainment
Venmo Credit Card earns 3X vs 1X
W Gas Stations
Venmo Credit Card earns 3X vs 1X
W Grocery Stores
Venmo Credit Card earns 3X vs 1X
W Health Beauty
Venmo Credit Card earns 3X vs 1X
W Transit
Venmo Credit Card earns 3X vs 1X
W Travel
Venmo Credit Card earns 3X vs 1X
W Utilities
Venmo Credit Card earns 3X vs 1X
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Frequently Asked Questions
Which card earns more rewards, the SoFi Credit Card or Venmo 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 SoFi Credit Card or the Venmo 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. 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.
Home / Compare / SoFi Credit Card vs Venmo Credit Card SoFi Credit Card vs Venmo Credit Card Both cards cost $0/yr. The SoFi Credit Card is better for travel, while the Venmo Credit Card wins on top spend category. Here's how they compare.
Earn Rates Category SoFi Credit Card Venmo Credit Card Dining 1X 3X Entertainment 1X 3X Gas Stations 1X 3X Grocery Stores 1X 3X Health Beauty 1X 3X Top Spend Category 1X
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+ No annual fee+ Automatic 3% back on your top spending category each month+ Automatic 2% back on your second-highest category+ No category tracking or activation required+ Cash back deposits directly to Venmo balanceCons
− 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)Category-by-Category Winner The Venmo Credit Card wins in 10 of 10 categories. The SoFi Credit Card leads in 0.
W Top Spend Category
Venmo Credit Card earns 3X vs 1X
W Dining
Venmo Credit Card earns 3X vs 1X
W Entertainment
Venmo Credit Card earns 3X vs 1X
W Gas Stations
Venmo Credit Card earns 3X vs 1X
W Grocery Stores
Venmo Credit Card earns 3X vs 1X
W Health Beauty
Venmo Credit Card earns 3X vs 1X
W Transit
Venmo Credit Card earns 3X vs 1X
W Travel
Venmo Credit Card earns 3X vs 1X
W Utilities
Venmo Credit Card earns 3X vs 1X
W
Frequently Asked Questions
Which card earns more rewards, the SoFi Credit Card or Venmo 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 SoFi Credit Card or the Venmo 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. 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.
Home / Compare / SoFi Credit Card vs Venmo Credit Card SoFi Credit Card vs Venmo Credit Card Both cards cost $0/yr. The SoFi Credit Card is better for travel, while the Venmo Credit Card wins on top spend category. Here's how they compare.
Earn Rates Category SoFi Credit Card Venmo Credit Card Dining 1X 3X Entertainment 1X 3X Gas Stations 1X 3X Grocery Stores 1X 3X Health Beauty 1X 3X Top Spend Category 1X
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+ No annual fee+ Automatic 3% back on your top spending category each month+ Automatic 2% back on your second-highest category+ No category tracking or activation required+ Cash back deposits directly to Venmo balanceCons
− 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)Category-by-Category Winner The Venmo Credit Card wins in 10 of 10 categories. The SoFi Credit Card leads in 0.
W Top Spend Category
Venmo Credit Card earns 3X vs 1X
W Dining
Venmo Credit Card earns 3X vs 1X
W Entertainment
Venmo Credit Card earns 3X vs 1X
W Gas Stations
Venmo Credit Card earns 3X vs 1X
W Grocery Stores
Venmo Credit Card earns 3X vs 1X
W Health Beauty
Venmo Credit Card earns 3X vs 1X
W Transit
Venmo Credit Card earns 3X vs 1X
W Travel
Venmo Credit Card earns 3X vs 1X
W Utilities
Venmo Credit Card earns 3X vs 1X
W
Frequently Asked Questions
Which card earns more rewards, the SoFi Credit Card or Venmo 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 SoFi Credit Card or the Venmo 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. 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.
3X
Second Spend Category 1X 2X
− No bonus categories above 2% (except travel portal)
− No sign-up bonus guaranteed (varies by offer)− 3% foreign transaction fee− Only 1% on all other spending outside top 2 categories− No control over which categories earn bonus rates− Cash back tied to Venmo ecosystem− Limited eligible categories for 3%/2% bonusesSecond Spend Category
Venmo Credit Card earns 2X vs 1X
Which Card Is Right for You? Get the Venmo Credit Card if you:
+ Spend $300+/month on restaurants and dining out+ Do most of your spending at grocery stores3X
Second Spend Category 1X 2X
− No bonus categories above 2% (except travel portal)
− No sign-up bonus guaranteed (varies by offer)− 3% foreign transaction fee− Only 1% on all other spending outside top 2 categories− No control over which categories earn bonus rates− Cash back tied to Venmo ecosystem− Limited eligible categories for 3%/2% bonusesSecond Spend Category
Venmo Credit Card earns 2X vs 1X
Which Card Is Right for You? Get the Venmo Credit Card if you:
+ Spend $300+/month on restaurants and dining out+ Do most of your spending at grocery stores3X
Second Spend Category 1X 2X
− No bonus categories above 2% (except travel portal)
− No sign-up bonus guaranteed (varies by offer)− 3% foreign transaction fee− Only 1% on all other spending outside top 2 categories− No control over which categories earn bonus rates− Cash back tied to Venmo ecosystem− Limited eligible categories for 3%/2% bonusesSecond Spend Category
Venmo Credit Card earns 2X vs 1X
Which Card Is Right for You? Get the Venmo Credit Card if you:
+ Spend $300+/month on restaurants and dining out+ Do most of your spending at grocery stores
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