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
Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Identity theft protection |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | Cell Phone Protection, ShopRunner, 24/7 customer service |
Travel Perks | Access to Special Events and Concerts, Concierge Services, Emergency Travel Assistance |
Rewards
Interest Rates & Fees
Annual Fee | $0 |
Foreign Transaction Fee | None |
Regular APR | 17.74% - 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 Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 08/27/2021 | TransUnion | ||
Approved | 05/25/2022 | Experian | ||
Approved | 05/20/2022 | Experian | ||
Approved | 05/20/2022 | TransUnion | ||
Approved | 05/20/2022 | Equifax | ||
Approved | 12/17/2020 | Experian | ||
Approved | 02/22/2021 | Not Provided | ||
Denied | 04/11/2022 | Experian | ||
Denied | 04/11/2022 | TransUnion | ||
Denied | 04/11/2022 | Equifax | ||
Denied | 04/18/2021 | Experian |
- Welcome offer
- No annual fee
- No foreign transaction fee
- up to 3% cash back
- Requires good credit
What Are the Best Alternatives?

Citi® Double Cash Card - 18 month BT offer
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
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U.S. Bank Cash+® Visa Signature® Card
Rating
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Rewards Range
1% - 5%
Annual Fee
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Chase Freedom Unlimited®
Rating
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Rewards Range
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