- Rewards rate2%Cash back
- Welcome bonus$200
- Annual fee$0
Additional rates & fees
- Annual fee
- $0
- Intro purchase APR
- N/A
- Regular purchase APR
- 12.99% - 24.99%* Variable
- Intro balance transfer APR
- N/A
- Regular balance transfer APR
- 12.99% - 24.99%* Variable
- Cash advance APR
- 26.99%* 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
- Applying won't impact your credit score
- Earn $200 in reward points to save, invest, and pay down eligible SoFi loans after you make $1,000 in purchases in your first 3 months
- The SoFi Credit Card now lets you redeem points straight into crypto with your SoFi active invest account
- Earn 2% unlimited cash back on purchases when redeemed towards saving, investing, or paying down an eligible loan with SoFi
- When you make 12 monthly on-time payments, we’ll lower your APR by 1%.
- No annual fee. 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