Who Can Apply for the SoFi Credit Card?
The best way to be considered for the SoFi Credit Card offer is to 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.
I received a Pre-Qualification offer from SoFi. How do I apply?
If you’ve received a pre-qualification offer from SoFi, you can either click the “Apply Now” button in your offer email or navigate to the credit card page in your SoFi app or online and select “check for offers” to begin the application process.
I received a mail offer for a SoFi credit card, how do I apply?
If you’ve received a mail offer from SoFi, you can either scan the QR code in the letter or you can navigate to the url provided in the letter and enter your confirmation number and zip code.
I haven’t received a Pre-Qualification offer, can I still apply?
If you'd like to be considered for a pre-qualified offer for the SoFi Credit Card, 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. If we do not have an existing pre-qualified offer for you at this time and you’d still like to apply, you can navigate to the credit card page and select the “apply now” link in the FAQs or by navigating to http://sofi.com/card/apply.
Application Steps
Before applying for a SoFi Credit Card, you must:
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Be 18 years or older (or of legal age in your state of residence)
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Individuals who reside in the United States
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Have a valid mobile phone number and email account
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Have a verifiable name, date of birth, and social security number
Fill in your Personal Information
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Enter in your permanent resident address and click ‘Next’.
Note: This cannot be a P.O. Box or a mailing address. It must be your physical resident address.
If your mailing address is the same as your permanent address, check the checkbox that says ‘Send my credit card to this address’.
If your mailing address is different than your permanent address, leave the box unchecked and enter your mailing address at the bottom.
- Enter your phone number to be sent a six-digit code to complete two-factor authentication for security purposes and click ‘next’.
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Enter the six-digit code and click ‘next’.
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Enter your social security number.
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Enter your date of birth and click ‘Next’
Note: Credit card applicants must be at least 18 years of age.
Fill In Your Financial Information
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Enter your annual income and click ‘Next’
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Enter how much you are spending per month on housing.
Review the Application Information
- Review your personal and financial information for accuracy and click ‘Next’ if all the information is correct.
Submit the Application
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Review the SoFi Credit Card Terms and Conditions and if you agree, check the checkbox indicating that you have read, understood, and consent to them and click ‘Submit Application’.
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You’ll see a message confirming that SoFi is reviewing your application for approval.
Note: Every application is different and may vary in the amount of time it might make to review the application. If you have any questions while your application is being reviewed, please reach out at 855-456-7634 for further assistance.
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If your application is approved, you’ll see a screen similar to the one below.
Upon approval, you can expect to receive your credit card in the mail in 7 to 10 business days. In the meantime, you can also immediately enjoy the benefits of your SoFi Credit Card by adding it to your digital wallet.
General Application Questions
Can I apply for a SoFi Credit Card with a co-signer?
Currently, we do not have the option to apply for a SoFi Credit Card with a co-signer. However, you can add up to 5 authorized users upon approval.
Does SoFi perform a Soft Credit Pull or a Hard Credit Pull when I apply for a Credit Card?
SoFi will perform a soft credit pull when you apply for a credit card. If you do not qualify, no hard pull will occur. If your application for a SoFi credit card is accepted, a hard pull will occur at the time of approval, which may impact your credit score.
Why do I see a soft inquiry from SoFi on my credit report? I don't have an active profile or account with you.
A soft credit pull may be used for marketing to potential consumers. Soft credit pulls will display on your credit report but have no effect on your credit score. If you don't want institutions like us to be able to pull soft credit for marketing purposes, you can either contact the credit bureau(s) directly to opt-out, or you can opt-out with all bureaus at once at https://www.optoutprescreen.com/. This will opt you out from not only SoFi but other institutions.
Additionally, if you would like to opt-out of SoFi’s marketing material (direct mailers), please go to https://www.sofi.com/optout/ and fill out the form. Due to the lead times associated with direct mail efforts, you may receive 1-2 more mailings before you are fully out of the system.