No, you can book travel with any credit or debit card. If you do choose to book with the SoFi Credit Card, you’ll earn unlimited 3% cash back rewards. These cash back rewards do not stack on top of other rewards associated with SoFi Credit Card or SoFi Plus. In other words, you’ll earn 3% cash back rewards back on SoFi Travel, and your standard SoFi Credit Card cash back rewards everywhere else. Learn more about SoFi Credit Card.