Update 7/6/26: No longer looking for SoFi Plus? Hat tip to the reader my
SoFi has launched a new charge card called the SoFi Smart Card.
- The card earns 5% unlimited at grocery stores.
The card has no annual fee, but requires SoFi Plus membership which costs $10 per month (there is no longer a free option), effectively it’s like a $120 annual fee.- I think there are no rewards for non-food spending, but not entirely clear. (Update: Others say 1% base profit for non-food, although I can’t find where it clearly states.)
- Let us know if we’re missing anything else.
This is separated from oldest SoFi credit card which earns 2%/2.2% everywhere.
