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SoFi Rewards

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  • Can I earn SoFi Rewards Points for logging into the SoFi app?
  • What is SoFi Member Rewards?
  • Do all members have access SoFi Member Rewards?
  • Where can I enroll in SoFi Member Rewards?
  • How can I earn SoFi Points?
  • How do I redeem my SoFi Points?
  • How can I provide feedback about SoFi Member Rewards?
  • Are SoFi Points taxable?
  • What are the SoFi Member Rewards Terms of Service?
  • How do I set up auto-redemption?
  • Once I redeem my SoFi Points into SoFi Money, how long does it take to get my funds?
  • When will I see my SoFi Points show up on my SoFi Points Dashboard?
  • Where can I see all of my SoFi Points?
  • I completed an Earn Activity before enrolling in SoFi Member Rewards. Can I receive SoFi Points for these activities?
  • Once my SoFi Points are redeemed into a SoFi Student Loan Refinance payment, when and how can I expect the payment to be applied?
  • Once my SoFi Points are redeemed into a SoFi Personal Loan payment, when and how can I expect the payment to be applied?
  • Once my SoFi Points are redeemed for Fractional Shares into my SoFi Active Invest account, when will I see the them show up in my account?
  • Once my SoFi Points are redeemed into a SoFi Credit Card statement credit, when and how can I expect the credit to be applied?
  • How long will it take to redeem my SoFi Points? Where are my SoFi Points?
  • I’m not able to redeem my SoFi Points. Why?
  • I don’t think my SoFi Points are correct. Why?
  • How are my earned SoFi Points being calculated?
  • Are SoFi Points transferable?
  • Who can participate in SoFi Member Rewards?
  • Do I have to have an active SoFi Money account to redeem SoFi Points to cash?
  • I have a joint SoFi Money account–can we both earn SoFi Points?
  • Do Earn activities and SoFi Points values change?
  • How much are my SoFi Points worth upon redemption?

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Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org Opens A New Window. )

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*SoFi members with direct deposit can earn up to 3.75% annual percentage yield (APY) on savings balances (including Vaults) and 2.50% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 3.75% APY for savings and 2.50% APY for checking balances. Members without direct deposit will earn 1.20% APY on all account balances in checking and savings (including Vaults). Interest rates are variable and subject to change at any time. These rates are current as of 1/4/2023. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.

Additional information can be found at www.sofi.com/legal/banking-rate-sheet

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