Best credit card to use at SoFi Travel

Updated October 30, 2026

Costco Anywhere Visa by Citi earns the most at SoFi Travel: 3% cash back. SoFi Travel usually codes as travel.

Check with your own cards

Top 10 cards at SoFi Travel

1. 1
   Costco Anywhere Visa by Citi 3%
   Citi · No annual fee
2. 2
   SoFi Unlimited 2% 3%
   SoFi · No annual fee
3. 3
   Wells Fargo Autograph 3%
   Wells Fargo · No annual fee
4. 4
   Bank of America Customized Cash Rewards 3%
   Bank of America · No annual fee

   • Pick travel as a bonus category (until you change it)
   • Up to $2,500 of spending a quarter, then 1% cash back
5. 5
   Citi Strata Premier 3%
   Citi · $95 a year
6. 6
   Chase Air Canada Aeroplan 3%
   Chase · $195 a year
7. 7
   IHG One Rewards Premier Select 3%
   Chase · $350 a year
8. 8
   IHG One Rewards Premier 2.5%
   Chase · $150 a year

   • This rate runs through December 31, 2026
9. 9
   Citi Double Cash 2%
   Citi · No annual fee
10. 10
    Wells Fargo Active Cash 2%
    Wells Fargo · No annual fee

From the issuers' terms

• Costco Anywhere Visa by Citi: “including airfare, hotels, car rentals, travel agencies, cruise lines, and Costco Travel” citi.com, checked 2026-10-26.
• SoFi Unlimited 2%: “equal to 3% of the total amount you spend” sofi.com, checked 2026-10-24.
• Wells Fargo Autograph: “Travel: airline, hotel/motel, timeshare, or vehicle/auto rental, cruise lines” creditcards.wellsfargo.com, checked 2026-10-26.

How this is ranked

Every personal card earnrate tracks, each set up at its best for this purchase: the right bonus-category pick, any activation done, and no spending cap used up yet. Points are counted at 1¢, what most are worth as cash or travel credit; transferring them to airlines or hotels can be worth more. Annual fees aren't subtracted here; to weigh them against your own spending, use My spending.

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