SoFi Credit Card
SoFi Credit Card
Accepted Credit Scores
Excellent Credit, Good Credit
Earn 3 points on all eligible purchases for a year when you set up direct deposit with SoFi which can be redeemed for 3% cash back towards investing, saving, or paying down an eligible loan with SoFi or 1.5% cash back as statement credit. After that, earn 2 points on all eligible purchases which can be redeemed for 2% cash back towards investing, saving, or paying down an eligible loan with SoFi or 1% cash back as statement credit.*
Earn $100 when you fund an Invest account as well as a Checking and Savings account. Terms apply.
The SoFi Credit Card now lets you redeem points straight into crypto. For more information, visit SoFi.com/crypto.
APR on Purchases
13.24% - 25.24% (V)
APR: 13.24% - 25.24% (V)
Balance Transfer Fee
SoFi Credit Card Pros & Cons
No membership fees
High rewards rate
No foreign fee
Reports to the three major credit bureaus
No rewards bonus
No intro APR on purchases
No intro APR on balance transfers
Requires good/excellent credit
SoFi Credit Card's Additional Info
|cash advance fee||5% (min $10)|
|cash advance APR||27.24% (V)|
|foreign transaction fee||0%|
|max late fee||$39|
|max overlimit fee||$0|
|max penalty APR||None|
|grace period||25 days|
When you make 12 on-time payments, we’ll lower your APR by 1%.*
No annual fee.
No foreign transaction fees.
*See terms and conditions here.
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