Maximize the benefits of your SoFi Credit Card by understanding how to both earn and redeem your rewards points.
Before You Begin
SoFi members can earn rewards through various activities and redeem them for cash back or statement credits. To manage your rewards, you can use the SoFi app or website.
For more information about SoFi’s Referral & Rewards Programs please visit SoFi Referral & Rewards Programs
- Log in to your SoFi account at SoFi.com.
- Click the Rewards icon in the top left corner of the screen (signified by a small diamond).
- Review the Ways To Earn section under Rewards.
The specific rewards you earn can vary based on your SoFi Credit Card type:
SoFi Unlimited 2% Credit Card:
- Standard: Earn 2% back on every purchase.
- SoFi Plus: Earn 5.5% cash back rewards on SoFi Travel (excluding airfare), 3.3% on airfare booked through SoFi Travel, and 2.2% cash back rewards on all other eligible purchases.
SoFi Everyday Cash Rewards Credit Card:
- Standard: Earn 1.5% back on every purchase.
- SoFi Plus: Earn 5.5% cash back rewards on SoFi Travel (excluding airfare), 3.3% on airfare booked through SoFi Travel, 3.3% cash back rewards on dining, 2.2% cash back rewards on groceries, and 1.1% cash back rewards on all other eligible purchases.
SoFi Essential Credit Card:
- Standard: Earn 1% back on every purchase.
- SoFi Plus: Earn 5.5% cash back rewards on SoFi Travel (excluding airfare) and 3.3% cash back rewards on airfare booked through SoFi Travel.
**Terms apply. Rewards are subject to change and may have limitations.
For detailed information about how rewards points are earned with each card type, refer to the Rewards Agreement specific to your card:
- Log in to your SoFi account at SoFi.com.
- Click the Rewards icon in the top left corner of the screen (signified by a small diamond).
- Select the Redeem option.
- Choose the reward you want to redeem:
- Cash back
- Statement credits
Follow the on-screen instructions to complete the redemption process.
The SoFi Guide to Mastercard Benefits provides detailed information about a variety of benefits, including Cellular Wireless Telephone Protection.
To access detailed information about benefits, visit the SoFi Guide to Mastercard Benefits
To file a claim or for more information on any of these services, call the Mastercard Assistance Center at 1-800-Mastercard (1-800-627-8372).
SoFi provides a feature called "Insights" for budget tracking. This tool is accessible through the SoFi App and offers more details at https://www.sofi.com/financial-insights/.
While the SoFi Credit Card may be compatible with certain third-party budgeting applications, please be aware that full support for tracking the card's activity may not yet be available within those platforms.
Need more help?
If you have questions or need further assistance, please contact SoFi customer support at 844-945-7634.