SoFi Credit Card

The card_name is a cash back card designed for those who have a SoFi Checking and Savings Account or SoFi Active Invest account. You can earn up to 3% cash back when you use your rewards to pay down debt, build savings, or invest with SoFi.

Our Rating
3.5/5.0

Welcome Offer
Earn up to $200 when you fund an Invest account as well as a Checking and Savings account

Annual Fee
$0

0% on Purchases
N/A

Reward Rate
2x points and up to 3% cash back

0% on Balance Transfers
N/A

Welcome Offer

Earn up to $200 when you fund an Invest account as well as a Checking and Savings account after getting approved for the SoFi Credit Card. See Terms.*

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Identity theft protection
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsCell Phone Protection, ShopRunner, 24/7 customer service
Travel PerksAccess to Special Events and Concerts, Concierge Services, Emergency Travel Assistance

Rewards

2x points
All eligible purchases
You will earn 2 reward points for every dollar spent on eligible purchases.
3% cash back
All eligible purchases
Earn up to 3% cash back for 365 days when you get approved for a credit card, and set up direct deposit through SoFi and redeem it to pay down eligible debt, save, or invest.

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR17.74% - 29.74% (V) APR

What Credit Score Is Required to Get the Sofi Credit Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved08/27/2021
628
TransUnion
$5,000
Approved05/25/2022
700
Experian
$10,000
Approved05/20/2022
699
Experian
$7,500
Approved05/20/2022
721
TransUnion
$7,500
Approved05/20/2022
743
Equifax
$7,500
Approved12/17/2020
703
Experian
$9,500
Approved02/22/2021
773
Not Provided
$15,000
Denied04/11/2022
701
Experian
---
Denied04/11/2022
727
TransUnion
---
Denied04/11/2022
745
Equifax
---
Denied04/18/2021
685
Experian
---
Pros
  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • up to 3% cash back
Cons
  • Requires good credit

What Are the Best Alternatives?

Citi<sup>®</sup> Double Cash Card - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

U.S. Bank Cash+® Visa Signature® Card
U.S. Bank Cash+® Visa Signature® Card

Rating

4.8

Rewards Range

1% - 5%

Annual Fee

$0

Chase Freedom Unlimited®
Chase Freedom Unlimited®

Rating

4.9

Rewards Range

1.5% - 5%

Annual Fee

$0

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