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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 (18.24% - 27.24% 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 (if you are a new cardmember). The earned rewards can be redeemed in any amount, at any time for any purchases.