SoFi Credit Cards: Offerings and Member Benefits

Whether you are looking for unlimited cash back or a way to build your credit, SoFi offers card options designed to help you get your money right: the SoFi Unlimited 2%, SoFi Everyday Cash Rewards, and SoFi Essentials credit cards.

All our SoFi Credit Card products include the following benefits:

• Access to SoFi membership benefits, including invitations to member events, discounts on other SoFi products, and a SoFi Financial Planner at no additional cost.
• 3% cashback rewards on trips booked through SoFi Travel.
• No surprise fees.
• Zero fraud liability.
• Exclusive benefits at the SoFi Stadium in Los Angeles.

SoFi Unlimited 2% Credit Card

• Earn unlimited 2% cash back rewards on all purchases, all the time
• No rotating categories, no earning caps, and no need to remember to sign up each quarter

SoFi Everyday Cash Rewards Credit Card*

• Earn 3% cash back rewards on dining (including takeout and delivery apps**)
• Earn 2% cash back rewards on grocery stores and online grocery delivery**
• Earn 1% cash back rewards on other purchases

SoFi Essentials Credit Card*

• Count on identity theft protection and Zero Liability Fraud Protection
• No penalty repricing - (won’t change your APR for a late payment)

Need more help?

If you have questions or need further assistance, please contact SoFi customer support at 844-945-7634. 

*Our 2% Unlimited and Essentials cards are currently available through email invitation only. If you'd like to be considered for our SoFi Credit Cards email offers, 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.

**SoFi determines if purchases qualify for our 3% on dining and 2% at grocery stores by using merchant codes. A purchase will not earn additional points if SoFi receives a merchant code that is not eligible or the merchant does not provide enough detail to identify the transaction as dining/grocery store. For example, purchases made at a restaurant located within a hotel may be recognized as a purchase at a hotel, not as dining. In that case, you would not earn additional points in the dining category.