Can I use my SoFi Credit Card at locations without a chip-enabled terminal? October 28, 2020 18:45 Updated 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.? How do I access my SoFi Credit Card account billing statements? Can you send them to me? Linking Bank Accounts to SoFi Money How do I use my SoFi Credit Card to make purchases at a chip-enabled terminal? Why is the credit score used for my credit card application different than the one shown on my SoFi account?