SoFi Smart Card

This card makes sense if groceries are one of your biggest monthly expenses and you want a simple rewards setup with points worth 1 cent each. In that one lane, a 5% return is strong enough to matter, and the lack of a welcome bonus matters less if you plan to keep using the card regularly for supermarket spending.

For most readers, though, the fit is limited. A $120 annual fee is hard to justify when the card has no listed credits, travel perks, or protections to help offset it, and the rewards data provided shows no earnings outside grocery purchases. Unless you spend enough on groceries to comfortably outpace the fee and are willing to use a different card for almost everything else, this is a hard card to recommend as a primary option.