SoFi Unlimited 2% Credit Card
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The SoFi Unlimited 2% Credit Card has reinvented itself as a 2% cash back card. SoFi offers a kind of financial one-stop-shopping, where you can do your banking, open a credit card, invest and take out a loan, all in the same place. The card offers an unlimited 2% cash back on every purchase, with 3% cash back on travel booked through SoFi. You can redeem your rewards as a statement credit, invest, or pay down debt. For those who value convenience, it’s a good, but not great, choice. We dive into the details and your approval odds in this SoFi Credit Card review.
Our Rating
3.5/5.0
Welcome Offer
N/a
Annual Fee
$0
0% on Purchases
N/A
Reward Rate
2% – 3%
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 | 20.24% to 29.99%, (V) APR |
What Credit Score Is Required to Get the SoFi Unlimited 2% 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 numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 628
Average Approved Credit Score: 710
| 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 |
Pros & Cons
- 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
$0
U.S. Bank Cash+® Visa Signature® Card
Rating
4.8
Rewards Range
1% - 5%
Annual Fee
$0
Chase Freedom Unlimited®
Rating
4.9
Rewards Range
1.5% - 5%
Annual Fee
$0