Best SoFi Credit Cards (2026)

The SoFi Credit Card is currently the top-rated SoFi card, offering no annual fee and a strong welcome offer for new cardholders.

Yes — the SoFi Credit Card has no annual fee and earns 2x base rewards on purchases.

Most SoFi credit cards require good to excellent credit (typically 670+). Premium travel cards like the top-tier options generally require a score of 720 or higher for the best approval odds.

SoFi credit cards earn points, miles, or cash back depending on the card. Category cards earn accelerated rates in your top spending areas, while flat-rate cards keep things simple.

SoFi points and miles offer strong value, especially when redeemed for travel. Pairing multiple SoFi cards can maximize your earning across categories.

You can apply directly through https://www.sofi.com or by clicking the "Apply Now" buttons above. Most applications receive an instant decision online.