SoFi Credit Card
SoFi Credit Card
Apply now at SoFi's secure site
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SoFi Credit CardSee Rates & Fees
Partner Offer

SoFi Credit Card

Our rating:3.3 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

Credit Recommended (670-850)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
When you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
Apply now at SoFi's secure site
Intro Bonus
$100Earn up to $100 when you open and fund a SoFi Money and a SoFi Invest account after getting approved for the SoFi Credit Card (See Terms).
Reward Rates
2%Earn 2% unlimited cash back on eligible purchases when redeemed towards investing, saving, or paying down an eligible loan with SoFi.*
Balance Transfers Intro APR
N/A
Purchases Intro APR
N/A
Regular APR
12.99%-24.99% APR
Annual Fee
$0

Highlights

  • Earn 2% unlimited cash back on eligible purchases when redeemed towards investing, saving, or paying down an eligible loan with SoFi.*
  • Earn up to $100 when you open and fund a SoFi Money and a SoFi Invest account after getting approved for the SoFi Credit Card (See Terms).
  • When you make 12 on-time payments, we'll lower your APR by 1%.†
  • No annual fee.†
  • No foreign transaction fees
  • Cell phone protection (insurance coverage up to $1,000)**
  • Mastercard ID Theft Protection™**
  • $10 Lyft credit when you take 5 rides per month**
  • * See offer details: www.sofi.com/card/rewards
  • † See terms and conditions: www.sofi.com/card/terms
  • ** Cell Phone Insurance Protection, Mastercard ID Theft Protection™, Lyft and Other Partner Rewards have additional terms and conditions, which can all be accessed through the World Elite Mastercard® Benefits portal. Please see the guide to benefits for details or call 1-800-MASTERCARD.

Staff Review

Editor's Rating:

3.3 out of 5

Our take: The SoFi Credit Card is a great choice for SoFi customers who want to save, invest, or pay down a loan on their SoFi accounts. But for other customers? Not so much.

Read full review

All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.