Compare up to 4 cards

2 of 4 cards. Side by side on fees, welcome offers, earn rates and benefits.

All detailsDifferences only

Credit card comparison
Overview
	American Express Gold Card American Express · $325/yr	SoFi Smart Card SoFi · No annual fee
Annual fee	$325	$0 Lowest
Welcome offerCurrent public offer	As high as 100,000 points — offers vary	—
Rewards	American Express Membership Rewards	Cash back
Foreign transaction fee	None	—
Network	American Express	Mastercard
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
Grocery Stores	4x	5%
Dining	4x	— Rate not published
Flights	3x	— Rate not published
Everything else	1x	— Rate not published
Statement creditsAs the issuer states them · — means none on record
Rideshare & transit	$120 Uber Cash · $10 monthly	Not yet documented
Dining & delivery	$100 Resy credit · $50 every 6 months $120 dining credit · $10 monthly $84 Dunkin' credit · $7 monthly	Not yet documented
Perks & access— means none on record
Hotel status & programs	$100 property credit at 1,300+ upscale hotels worldwide	Not yet documented
Other perks	Amex Offers Early access to concerts and events 24/7 global travel assistance American Express Preferred Access Events with Amex & Presale Tickets No foreign transaction fees on international purchases	Not yet documented
Protections & insuranceLimits where published · — means none on record
Trip insurance	Trip Delay Insurance up to $300	Not yet documented
Baggage	Baggage Insurance Plan up to $1,750	Not yet documented
Rental car	Secondary rental car insurance for damage and theft	Not yet documented
Purchase & returns	Purchase Protection up to $10,000 per item for 90 days	Not yet documented
Extended warranty	Extended Warranty up to one additional year · up to $10,000	Not yet documented
Other protections	Zero liability protection on fraudulent charges Dispute Resolution and Fraud Protection	Not yet documented
Pros & cons
Pros	4X points on dining worldwide - industry leading 4X at U.S. supermarkets up to $25k/year $424 in annual credits (face value) cover the $325 fee if you use at least $325 of them No foreign transaction fees Transfer to 19 airline and hotel partners	Secured by your SoFi Checking and Savings balance, with no hard credit pull to apply Unlimited 5% cash back rewards on eligible grocery store purchases No annual fee SoFi reports Smart Card activity to Experian, so on-time payments can help build credit
Cons	$325 annual fee with no waived first year 4X grocery excludes Costco, Walmart, Target No lounge access included Limited non-food spending categories Amex acceptance less universal than Visa/MC	Secured card - you need a SoFi Checking and Savings account, and the balance sets your spending limit The balance must be paid in full each month Superstores, warehouse clubs, convenience stores and grocery delivery do not count as grocery stores for the 5% rate Reports to Experian only
	Card details	Card details

American Express Gold Card
American Express · $325/yr
SoFi Smart Card
SoFi · No annual fee

Overview

Annual fee: American Express Gold Card
$325
SoFi Smart Card
$0
Lowest
Welcome offerCurrent public offer: American Express Gold Card
As high as 100,000 points — offers vary
SoFi Smart Card
—
Rewards: American Express Gold Card
American Express Membership Rewards
SoFi Smart Card
Cash back
Foreign transaction fee: American Express Gold Card
None
SoFi Smart Card
—
Network: American Express Gold Card
American Express
SoFi Smart Card
Mastercard

Earn ratesPer $1 spent · points and cash back aren’t ranked against each other

Grocery Stores: American Express Gold Card
4x
SoFi Smart Card
5%
Dining: American Express Gold Card
4x
SoFi Smart Card
—
Rate not published
Flights: American Express Gold Card
3x
SoFi Smart Card
—
Rate not published
Everything else: American Express Gold Card
1x
SoFi Smart Card
—
Rate not published

Statement creditsAs the issuer states them · — means none on record

Rideshare & transit: American Express Gold Card
$120 Uber Cash · $10 monthly
SoFi Smart Card
Not yet documented
Dining & delivery: American Express Gold Card
$100 Resy credit · $50 every 6 months
$120 dining credit · $10 monthly
$84 Dunkin' credit · $7 monthly
SoFi Smart Card
Not yet documented

Perks & access— means none on record

Hotel status & programs: American Express Gold Card
$100 property credit at 1,300+ upscale hotels worldwide
SoFi Smart Card
Not yet documented
Other perks: American Express Gold Card
Amex Offers
Early access to concerts and events
24/7 global travel assistance
American Express Preferred Access
Events with Amex & Presale Tickets
No foreign transaction fees on international purchases
SoFi Smart Card
Not yet documented

Protections & insuranceLimits where published · — means none on record

Trip insurance: American Express Gold Card
Trip Delay Insurance up to $300
SoFi Smart Card
Not yet documented
Baggage: American Express Gold Card
Baggage Insurance Plan up to $1,750
SoFi Smart Card
Not yet documented
Rental car: American Express Gold Card
Secondary rental car insurance for damage and theft
SoFi Smart Card
Not yet documented
Purchase & returns: American Express Gold Card
Purchase Protection up to $10,000 per item for 90 days
SoFi Smart Card
Not yet documented
Extended warranty: American Express Gold Card
Extended Warranty up to one additional year · up to $10,000
SoFi Smart Card
Not yet documented
Other protections: American Express Gold Card
Zero liability protection on fraudulent charges
Dispute Resolution and Fraud Protection
SoFi Smart Card
Not yet documented

Pros & cons

Pros: American Express Gold Card
4X points on dining worldwide - industry leading
4X at U.S. supermarkets up to $25k/year
$424 in annual credits (face value) cover the $325 fee if you use at least $325 of them
No foreign transaction fees
Transfer to 19 airline and hotel partners
SoFi Smart Card
Secured by your SoFi Checking and Savings balance, with no hard credit pull to apply
Unlimited 5% cash back rewards on eligible grocery store purchases
No annual fee
SoFi reports Smart Card activity to Experian, so on-time payments can help build credit
Cons: American Express Gold Card
$325 annual fee with no waived first year
4X grocery excludes Costco, Walmart, Target
No lounge access included
Limited non-food spending categories
Amex acceptance less universal than Visa/MC
SoFi Smart Card
Secured card - you need a SoFi Checking and Savings account, and the balance sets your spending limit
The balance must be paid in full each month
Superstores, warehouse clubs, convenience stores and grocery delivery do not count as grocery stores for the 5% rate
Reports to Experian only

Card details

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