SoFi offers 3 different credit card options for our members! The SoFi Unlimited 2%, SoFi Everyday Cash Rewards, and SoFi Essentials credit cards!
All our SoFi Credit Card products offer 3% cashback rewards on trips booked through SoFi Travel, no annual fees or surprise fees, zero fraud liability, and more!
- Earn 3% cash back rewards on dining, including takeout and delivery apps**
- Earn 2% cash back rewards on grocery stores and online grocery delivery**
- Earn 1% cash back rewards on other types of purchases.
- Count on identity theft protection and Zero Liability Fraud Protection for an extra layer of security
- No penalty repricing - we won’t change your APR when you make a late payment
*Our Everyday Cash Rewards and Essentials cards are currently available through email invitation only. If you'd like to be considered for our SoFi Credit Cards email offers, ensure that you are a SoFi member and that you have opted in to SoFi marketing messaging - you will be periodically considered for a pre-qualified offer based on your creditworthiness.
**SoFi determines if purchases qualify for our 3% on dining and 2% at grocery stores by using merchant codes. A purchase will not earn additional points if SoFi receives a merchant code that is not eligible or the merchant does not provide enough detail to identify the transaction as dining/grocery store. For example, purchases made at a restaurant located within a hotel may be recognized as a purchase at a hotel, not as dining. In that case, you would not earn additional points in the dining category.