Sofi Credit Card is a great card for people who are looking for a way to save money, invest and pay down any of their debts.
Earn up to $100 when you open and fund a SoFi Money and a SoFi Invest account after getting approved for the SoFi Credit Card (See Terms).
This cards lets you earn a 2% unlimited cash back on eligible purchases when redeemed towards saving, investing, or paying down a qualifying loan with SoFi. And you have the chance to lower your APR by 1% when you make 12 on-time payments. Not only that, this card has no annual and no foreign transaction fees.
The Sofi Credit Card is issued by Bank of Missouri/Mastercard. You can also compare this card with other credit card bonuses!
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Table of Contents
SoFi Credit Card Summary
|Bonus Available||Earn up to $100 when you open and fund a SoFi Money and a SoFi Invest account after getting approved for the SoFi Credit Card (See Terms).|
|Ongoing Rewards/Benefits||Earn 2% unlimited cash back on eligible purchases when redeemed towards investing, saving, or paying down an eligible loan with SoFi
Get lower APR by 1% when making 12 on-time payments
Cell phone protection and get up to $1,000 covered
Mastercard ID theft protection
$10 Lyft credit when you take 5 rides per month
|Foreign Transaction Fees||$0|
- Bonus rewards rate
- Unlimited 2% cash back
- No annual fee
- Lower APR after 12 on-time payments
- No foreign transaction fees
- Lyft Credit
- High balance transfer + cash advance fees
- No bonus or higher earning categories
Earning Points & Rewards
You can earn 2% cash back in SoFi Rewards point when you make an eligible purchase such as paying down eligible debt, saving money or investing with SoFi.
Sofi adds the cash back rewards earned to your SoFi Member rewards program balance.
Please note that if you don’t make the minimum payment for a billing cycle by the payment due date, you will not earn points for purchases posted to your account during that billing cycle.
As an additional offer, this card allows you to get $10 Lyft credit when you take 5 rides per month because this card is counted as a World Elite Mastercard®.
Earn 2% unlimited cash back on eligible purchases when redeemed towards investing, saving, or paying down an eligible loan with SoFi.*
You can easily redeem rewards and points by:
- Promotional offers listed on the redeem points page
- Cash deposited into your SoFi Money account
- Shares credited to your SoFi Invest account
- Cash applied to the balance of your SoFi student loan or SoFi personal loan
Sofi Credit Card Benefits
- APR Discount: Receive a 1% APR discount after making twelve on-time payments.
- No Foreign Transaction Fees: Save 2 to 3% on foreign transactions compared to many other cards without an annual fee.
- Free Cell Phone Insurance: Get reimbursed the actual cost to replace or repair a stolen or damaged eligible phone up to twice per 12-month period and up to $800 per claim and $1,000 per 12-month period, after paying a $50 deductible.
- World Mastercard Benefits: Cardholders have access to discounts and benefits through World Mastercard, including but not limited to Lyft discounts, concierge services and ShopRunner membership
- ID Theft Protection
- EMV Chip Technology
- Travel and emergency hotline
Sofi Credit Card makes it easy to automatically redeem your cash back towards your eligible SoFi loans, savings, or investing each month.
This is a great credit card if you’re looking to pay off any loans you may have through SoFi. Also, this card works if you’re interested in investing and saving money with SoFi.
Cell Phone Insurance Protection, Mastercard ID Theft Protection™, Lyft and Other Partner Rewards have additional terms and conditions, which can all be accessed through the World Elite Mastercard® Benefits portal. Please see your guide to benefits for details or call 1-800-MASTERCARD
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