Can I use my SoFi Credit Card at locations without a chip-enabled terminal? October 28, 2020 18:45 Updated Follow Yes, you can use the magnetic strip on the credit card at merchants and ATMs that don’t have chip-enabled terminals. Related articles Can I use my SoFi Credit Card chip card outside the U.S.? What ATMs can I withdraw money from with my SoFi Money Debit Card without paying a fee? How do I use my SoFi Credit Card to make purchases at a chip-enabled terminal? My Financial institution/employer does not recognize my routing number. What should I do? How to Send and Receive Wire Transfers with SoFi