SoFi Smart Card vs Verizon Visa Card

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

No image

SoFi Smart Card

SoFi

No image

Verizon Visa Card

Synchrony

Annual Fee

Welcome Bonus

—

Base Earn Rate

—

Top Earn Categories

5X Grocery Stores

4X Verizon Purchases

4X Grocery Stores

4X Gas Stations

4X Dining

Network

MASTERCARD

VISA

Key Benefits

None

Pros

—

+No annual fee
+Strong 4% back on Verizon, grocery, gas, and dining
+Solid 2% base rate on all other purchases
+Verizon Dollars automatically apply as bill credit (1:1 value)
+$100 welcome bonus after $500 spend in 2 months

Cons

—

−Rewards locked to Verizon ecosystem (bill, devices, accessories only)
−3% foreign transaction fee
−No value if you leave Verizon
−4% on Verizon purchases excludes bill payments
−Requires good/excellent credit

Explore More

SoFi Smart Card — Full Review All SoFi Cards

Verizon Visa Card — Full Review All Synchrony Cards

Browse all comparisons →Browse all card categories →

SoFi Smart Card vs Verizon Visa Card

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

No image

SoFi Smart Card

SoFi

No image

Verizon Visa Card

Synchrony

Annual Fee

Welcome Bonus

—

Base Earn Rate

—

Top Earn Categories

5X Grocery Stores

4X Verizon Purchases

4X Grocery Stores

4X Gas Stations

4X Dining

Network

MASTERCARD

VISA

Key Benefits

None

Pros

—

+No annual fee
+Strong 4% back on Verizon, grocery, gas, and dining
+Solid 2% base rate on all other purchases
+Verizon Dollars automatically apply as bill credit (1:1 value)
+$100 welcome bonus after $500 spend in 2 months

Cons

—

−Rewards locked to Verizon ecosystem (bill, devices, accessories only)
−3% foreign transaction fee
−No value if you leave Verizon
−4% on Verizon purchases excludes bill payments
−Requires good/excellent credit

Explore More

SoFi Smart Card — Full Review All SoFi Cards

Verizon Visa Card — Full Review All Synchrony Cards

Browse all comparisons →Browse all card categories →

SoFi Smart Card vs Verizon Visa Card

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

No image

SoFi Smart Card

SoFi

No image

Verizon Visa Card

Synchrony

Annual Fee

Welcome Bonus

—

Base Earn Rate

—

Top Earn Categories

5X Grocery Stores

4X Verizon Purchases

4X Grocery Stores

4X Gas Stations

4X Dining

Network

MASTERCARD

VISA

Key Benefits

None

Pros

—

+No annual fee
+Strong 4% back on Verizon, grocery, gas, and dining
+Solid 2% base rate on all other purchases
+Verizon Dollars automatically apply as bill credit (1:1 value)
+$100 welcome bonus after $500 spend in 2 months

Cons

—

−Rewards locked to Verizon ecosystem (bill, devices, accessories only)
−3% foreign transaction fee
−No value if you leave Verizon
−4% on Verizon purchases excludes bill payments
−Requires good/excellent credit

Explore More

SoFi Smart Card — Full Review All SoFi Cards

Verizon Visa Card — Full Review All Synchrony Cards

Browse all comparisons →Browse all card categories →