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If you are looking for a credit card with a more beneficial rewards program than the Sofi credit card, then the Discover it® Cash Back credit card will be a great choice. It comes with a $0 annual fee and 0% Intro APR for 15 months (16.99% - 27.99% Variable APR after that). The card allows to earn 5% cash back at different places each quarter up to the quarterly maximum after activation and unlimited 1% cash back on all other purchases. Moreover, at the end of the first year all the cash back you've earned will be matched. The earned rewards can be redeemed in any amount, at any time for any purchases.