Top Reasons to get This Card
Reward Structure
The SoFi MasterCard earns cash back in the form of points (1 point = 1 cent). It provides simplicity and excellent reward rates that help you accumulate rewards seamlessly.
- Unlimited 3% cash back on all travel purchases booked through SoFi Travel
- Unlimited 2% cash back on other eligible purchases
Complimentary Cell Phone Insurance
You receive up to $1,000 of cell phone insurance coverage ($800 max per claim, 2 claims per year) in case your phone needs repair or gets stolen if you pay your monthly phone bill with the SoFi credit card.
Other Perks
Enjoy no foreign transaction fees on your international trips and save money on your shopping abroad.
- This card has no annual fees, making it perfect for individuals who don’t want the burden of annual fees.
- You can redeem your cashback rewards as statement credit, for paying off eligible SoFi debt, or towards saving or investing.
- With SoFi Insights, you can monitor your financial situation and see how your spending impacts your credit score.
- It also provides several valuable benefits, such as 24/7 travel concierge service, zero fraud liability, ID theft protection, and more.
Terms Apply*
Is SoFi Credit Card the Right Card for you?
The SoFi Credit Card caters to individuals who want a streamlined and modern approach to managing their finances effectively, coupled with competitive rewards and innovative financial tools.
Cardholders enjoy unparalleled convenience and an array of benefits, such as 24/7 travel concierge service, monthly $5 Lyft credits, etc.
It’s an ideal choice for those who value simplicity without the complexity of category bonuses and the hassle of complicated terms. You can earn unlimited 2% cash back on every dollar spent on eligible purchases and 3% cash back rewards on all travels booked through SoFi Travel, making this card a valuable asset.
With no annual fees, the card offers no foreign transaction fees, up to $1,000 of complimentary cell phone insurance coverage, ID Theft Protection, and Zero Fraud Liability. If you are someone looking to build savings, pay down loans, or start investing, then the SoFi Credit Card is a valuable addition to your wallet.
This card issued by SoFi Bank is accepted everywhere where MasterCard is accepted and allows you to monitor your finances and check your credit score with SoFi Insights.
The SoFi Credit Card is worth considering due to its simplicity, responsible credit management, and transparency. However, if your banking preferences lie elsewhere or you want alternative rewards, other options might suit you better. Terms Apply*
FAQs
Does SoFi have a credit card?
Yes, SoFi has a credit card called SoFi Credit Card, which offers unlimited 2% cashback on eligible purchases at $0 annual fee.
What is the SoFi credit card limit?
The SoFi Credit Card guarantees a credit limit of at least $1,000, but you can get more limits based on your creditworthiness and other financial factors.
Is SoFi credit card safe?
YES! The SoFi Credit Card is completely safe. It employs advanced security measures to safeguard your data and transactions, making it a secure option for cardholders.
What credit score do you need for a SoFi credit card?
You need at least a good credit score of 670 or higher to get approved for SoFi credit score.
Is SoFi credit card good?
SoFi Credit Card is a good option for many users with no annual fees, no foreign transaction fees, excellent rewards with unlimited 2% cash back, and other benefits.
What is the SoFi Credit Card minimum payment?
The minimum payment for a SoFi Credit Card is $35 or 1% of the statement balance – whichever is higher. If your balance is less than $35, the SoFi Credit Card minimum payment will be equal to the balance.
What credit score do you need for a SoFi personal loan?
To get a SoFi personal loan, you typically need a good credit score, generally ranging from 670 to 740.
How can I log in to my SoFi Credit Card account online?
You can log in to your SoFi credit card account online on SoFi’s website or the mobile app. Just enter your email and password in the designated fields and click on ‘Log In’ to access and manage your account online.
How do I get the SoFi Credit Card sign-up bonus?
The SoFi Bank does not offer any sign-up bonus for the SoFi Credit Card.
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