Rewards
3% cash back
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.
2x points
You will earn 2 reward points for every dollar spent on eligible purchases.
Pros & Cons
Pros
- Welcome bonus
- No annual fee
- No foreign transaction fee
- up to 3% cash back
Cons
- Requires good credit
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 |
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 14.49% to 26.49% (V) APR |
What Credit Score Is Required to Get the SoFi Credit Card
Based on data we’ve collected from public forums, a credit score of 690 or higher is ideal. We have seen an approval with a score as low as 628, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.
| 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 |
What Are the Best Alternatives?
Citi® Double Cash Card - 18 month BT offer
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4.9
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U.S. Bank Cash+ Visa Signature Card
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Chase Freedom Unlimited®
Rating
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Rewards Range
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Annual Fee
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