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SoFi Credit Card
SoFi Rewards logo SoFi Rewards Mastercard

SoFi Credit Card

Issued by SoFi

Reviewed by the CardCurator Editorial Team

$0
Annual Fee
2x
Base Rate
3x
All Purchases (with SoFi Plus or qualifying direct deposit)
$200
Welcome Bonus
~1.00¢
Per Point
industry est.
Apply Now Track SoFi Credit Card Free
You’ll complete any application on the issuer’s website. CardCurator never receives your application or credit decision. Read or review us on Trustpilot

Decision check

Is SoFi Credit Card worth applying for?

Good fit if…

you can make 3x on All Purchases (with SoFi Plus or qualifying direct deposit) part of your regular spending.

Skip it if…

you are looking for premium perks, lounge access, or more transfer-partner upside.

Annual fee: No annual fee.
Bonus hurdle: Spend $500 in 3 months.
Compare alternatives Find a better fit

Application links open the issuer or partner application in a new tab. Confirm current terms and approval rules before submitting.

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)

Apply Now View Bonus History

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

Expert tips to get the most value from this program

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

Compare This Card

See how the SoFi Credit Card stacks up against other cards side by side — fees, bonuses, earn rates, and more.

Compare this card Browse all comparisons

Approval Insights

Recent community application data for this card. Issuers make the final decision, but this gives you a public read on how similar applicants have been doing lately.

Insufficient data
Reported approval rate
--
0 approved or denied datapoints
Median approved score
Building dataset
Exact score sample still small
Income / history band
N/A
History data still building
See Full Approval Data Create Account To Track

How to use this

  • Use the approval summary as a signal, not a guarantee.
  • Combine it with issuer rules like 5/24, Amex lifetime language, and velocity limits.
  • Open the full approval page to see recent datapoints, profile bands, and notes.
Why this is different

Most card pages stop at a generic credit-score range. CardCurator layers real community submissions on top of card detail, rewards value, and application strategy.

Frequently Asked Questions

What is the annual fee for the SoFi Credit Card?
The SoFi Credit Card has no annual fee.
What is the best category to use the SoFi Credit Card for?
The SoFi Credit Card earns 3x on All Purchases (with SoFi Plus or qualifying direct deposit), making it the strongest earning category for this card.
What is the SoFi Credit Card welcome bonus in 2026?
The SoFi Credit Card currently offers a welcome bonus of $200 statement credit after spending $500 in the first 3 months.
Does the SoFi Credit Card charge foreign transaction fees?
No, the SoFi Credit Card does not charge foreign transaction fees, making it a good choice for international purchases.
How much are SoFi Rewards points worth?
SoFi Rewards points are worth approximately 1.00¢ per point on average, with premium redemptions reaching up to 1.00¢ per point. Values based on industry estimates including The Points Guy and NerdWallet.
Still browsing by goal?

Use a category hub if you are not ready to apply for SoFi Credit Card

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Best if you are still comparing simpler everyday-rewards options.

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What to check before you leave

  • Prioritize the categories where you spend the most each month.
  • Check whether a flat-rate card may outperform rotating or capped bonuses.
  • Confirm the fee structure and current welcome offer before applying.
What happens next

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