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SoFi Credit Card
SoFi Rewards Mastercard

SoFi Credit Card

Issued by SoFi

$0
Annual Fee
2x
Base Rate
3x
All Purchases (with SoFi Plus or qualifying direct deposit)
$200
Welcome Bonus
Track SoFi Credit Card Free View on Issuer Site

Earning Categories

All Purchases (with SoFi Plus or qualifying direct deposit)
3x
All Other Purchases
2x

Current Welcome Bonus

$200 statement credit
Est. value: $2
Spend $500
Within 3 months

Earn a $200 cash rewards bonus after $500 in purchases in the first 3 months

Year 1 net value: +$2 (bonus − annual fee)

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Card Perks

Cell Phone Protection
PURCHASE_PROTECTION

Up to $1,000/claim for eligible cell phone damage or theft when monthly bill paid with card. World Elite Mastercard benefit.

World Elite Mastercard Concierge
CONCIERGE

24/7 travel and lifestyle concierge service.

Maximize Your SoFi Rewards Points

Program Overview

SoFi Rewards points redeem at a fixed 1 cent per point. Options: statement credit, SoFi Invest account deposit, or eligible SoFi loan payments. No transfer partners.

Earning Tips

2% unlimited on all purchases. SoFi Plus members earn 3% on travel booked through SoFi Travel (Expedia-powered).

Redemption Tips

All redemption options are equal at 1¢/point — statement credit, invest deposit, or loan payment. No optimization needed.

Card Details

Authorized Users Free · max 5
Foreign Transaction Fee None

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