Annual fee $0. 3% eligible dining; 2% eligible grocery; 1% other purchases.
See if it fits my walletThe 3 reviewed personal cards that share the most card types and features with the SoFi Everyday Cash Rewards Credit Card.
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Defined merchant categories and redemption rules apply
Check current offer This link goes to SoFi’s site. Dean earns nothing if you apply.Same annual fee: $0. Best fit: Food and entertainment spenders wanting no fee. Dean’s catalog lists it as: Dining, Grocery, Entertainment, Cash back.
Read Dean’s reviewSame annual fee: $0. Best fit: Frequent DoorDash users. Dean’s catalog lists it as: Retail open-loop, Dining, Grocery.
Read Dean’s reviewSame annual fee: $0. Best fit: Households wanting useful everyday categories with no fee. Dean’s catalog lists it as: Grocery, Gas, Online retail, Cash back.
Read Dean’s review| Card | Annual fee | Rewards and benefit summary | Best fit | Main drawback | Source |
|---|---|---|---|---|---|
| SoFi Everyday Cash Rewards Credit CardSoFi | $0 | 3% eligible dining; 2% eligible grocery; 1% other purchasesNo annual fee; integrated SoFi redemption options | SoFi members whose spending is concentrated in dining and groceries | Defined merchant categories and redemption rules apply | SoFi Checked 2026-07-22 |
| Savor Cash RewardsCapital One | $0 | 3% grocery, dining, entertainment, and popular streaming; 1% otherNo foreign transaction fee; entertainment access | Food and entertainment spenders wanting no fee | Superstores and wholesale clubs excluded from grocery category | Capital One Checked 2026-07-22 |
| DoorDash Rewards MastercardChase | $0 | Bonus cash back on DoorDash and dining, grocery, and streaming categoriesDashPass and DoorDash-specific benefits under current offer | Frequent DoorDash users | Value depends heavily on DoorDash use and current DashPass terms | Chase Checked 2026-07-22 |
| Blue Cash EverydayAmerican Express | $0 | 3% U.S. supermarkets, U.S. gas, and U.S. online retail, each subject to annual caps; 1% otherDisney Bundle and Home Chef credits under terms; no annual fee | Households wanting useful everyday categories with no fee | Caps and U.S.-only category definitions | American Express Checked 2026-07-22 |
3% eligible dining; 2% eligible grocery; 1% other purchases.
On everyday purchases that fit no bonus category, Dean counts 1% back when it ranks this card for you.
No annual fee; integrated SoFi redemption options.
Dean treats these as the reasons to hold the SoFi Everyday Cash Rewards Credit Card. If you would not use them, the card is worth less to you than its marketing says.
Dean lists the SoFi Everyday Cash Rewards Credit Card for good, excellent credit. It is a personal card. Availability: public national.
A listed credit range is a starting point, not an approval promise. SoFi decides approval, your credit limit, and your rate when you apply.
Defined merchant categories and redemption rules apply.
Annual fee: $0. Dean checked the fee and terms against SoFi on July 22, 2026. Terms can change after that date, so read the live offer before you apply.
Elevated rewards on restaurants, delivery, and sometimes groceries. Strong return on food spending and occasional dining credits.
Best for: Households that spend heavily on food. Watch for: Superstores, clubs, meal kits, and overseas dining can code differently.
Elevated rewards at supermarkets and grocery delivery. High return on a common household category.
Best for: Families and home cooks. Watch for: Walmart, Target, Costco, and other superstores often do not qualify.
Same rate on most eligible purchases.
Conditions to check: Excluded cash-like transactions and redemption value. Best for simplicity and uncategorized spend.
Higher earn rate for named merchant categories.
Conditions to check: Merchant category code, caps, activation, and geographic limits. Verify how the merchant codes, not how it describes itself.
Statement credit or instant discount for eligible travel.
Conditions to check: Calendar versus cardmember year, portal or merchant restrictions, exclusions. Value it at face value only if you would use it naturally.
Dean links directly to the issuer. Card terms and eligibility can change after the review date.