- Rewards rate2% - 3%Cash back
- Welcome bonusUp to $300
- Annual fee$0
Additional rates & fees
- Annual fee
- $0
- Intro purchase APR
- N/A
- Regular purchase APR
- 13.24% - 25.24%* Variable
- Intro balance transfer APR
- N/A
- Regular balance transfer APR
- 13.24% - 25.24%* Variable
- Cash advance APR
- 27.24%* Variable
- Cash advance fee
- 5%, Min: $10
- Late fee
- Up to $39
- Penalty APR
- N/A
- Balance transfer fee
- 5%, Min: $10
- Foreign transaction fee
- None
- Return payment fee
- Up to $39
* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.
Card details
- Earn 3% cash back for a year when you set up direct deposit with SoFi. After that, earn 2% unlimited cash back on purchases when redeemed toward investing, saving, or paying down an eligible loan with SoFi. Plus, redeem points toward crypto.
- Earn up to $300 after approval - $200 when you spend $1,500 in your first 3 months, and then $100 when you fund an Invest account as well as a Checking and Savings account.
- SoFi will assess a fee for each crypto transaction outside of rewards redemption. For more information, visit SoFi.com/crypto
- Move towards reaching your financial goals - whether it's saving, investing or paying down debt.
- When you make 12 monthly on-time payments, we’ll lower your APR by 1%.
- No foreign transaction fees
- Cell phone protection (insurance coverage up to $1,000)
- Mastercard ID Theft Protection™
- $10 Lyft credit when you take 5 rides per month