The SoFi Smart Card is secured by your SoFi Checking & Savings account, and your credit limit dynamically changes as your SoFi Checking & Savings balance changes (AKA your SoFi Checking & Savings balances set your spending limit) with a max of $500,000.
Point of sale transactions are subject to a daily limit equal to the lesser of your Ready to Spend Amount and $6,000. Cash withdrawals are subject to a daily limit equal to the lesser of your Ready to Spend Amount and $2,000.