How do I use my Smart Card?

Add money to your SoFi Checking and Savings accounts.
Use your SoFi Smart Card for purchases the same way you’d use any credit card.
Each time you spend, an amount equal to the purchase amount is set aside as reserved funds in your SoFi Checking and Savings accounts to cover your Smart Card statement balance.
After each billing cycle, your Smart Card balance is paid automatically using your reserved funds if you’ve turned on autopay. You can also choose to pay manually from your reserved funds.