Please refer to the terms and conditions in your cardholder agreement for any fees applicable to your account. Your cardholder agreement can be found in the Documents section of your credit card account on the SoFi app.
Is there an annual fee for having a SoFi Credit Card?
Applicable fees to your account can be found in the terms and conditions in your cardholder agreement. Your cardholder agreement can be found within the Documents section of your credit card account.
For new SoFi credit card applicants, no, there isn’t! We work hard to give you the best rate we can and charge no annual fee. With that in mind, our fee structure is subject to change at anytime.
Current 2% Unlimited Members, please review your cardholder agreement for any fee details.
Does SoFi Credit Card have a foreign transaction fee?
SoFi does not add any Foreign Exchange Fees to Purchase Transactions
Do you charge late fees on your SoFi Credit Card?
We charge a late fee to your Credit Card account in specific scenarios, such as when a payment is received late. The charges are defined in your terms and conditions.
What is the Cash Advance transaction fee?
There is a standard transaction fee associated with each balance transfer. This fee is typically calculated as a percentage of each transaction amount or a flat rate—the greater of $10 or 5% of the balance transfer. SoFi does not add any additional fees to purchase transactions.
Cash Advance Fees:
SoFi's fee is 5% per transaction. The financial institution where the cash advance occurs will determine any surcharge fee. Fees are not deducted from the cash advance being withdrawn.