There are no fees to open a SoFi Credit Card, including no regular maintenance fees. We work hard to give you the best rate we can and charge zero account opening fees. With that in mind, our fee structure is subject to change at any time. Refer to the terms and conditions in your cardholder agreement for any fees applicable to your account. Your cardholder agreement can be found within the Documents section of your account. Select your Credit Card account and then select Documents.