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SoFi Credit Card review

7.2/10 AVG.
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  • SoFi Credit Card

Specs / Features

Interest Rates
Regular APR Interest Rate 12.99% ‐ 24.99% (Variable)
  • Make 12 on-time payments, and lower your APR by 1%
  • This APR will vary with the market based on the Prime Rate.
Balance Transfer Interest Rate 12.99% ‐ 24.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 26.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%

Minimum of $10

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00


Sign up bonus No
All Purchases 1% cash back

When you redeem it to pay down eligible debt, save, or invest with SoFi, they'll throw in an extra 1% toward your goal, for a total of 2%

Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

Earn 5% cash back rewards on orders for use on future purchases

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits
  • $5 Lyft credit for every 3 rides taken in a month, once per month
  • Free Shoprunner annual membership of $79
  • 3-month free trial of DashPass for non-members + $5 discount on two orders each month for DashPass subscribers
  • Cell phone protection
  • Mastercard ID theft protection
  • $5 off future movie tickets or at-home purchases for every 2 movie tickets purchased (through double points on Fandango VIP).
  • Save 10% on thousands of splendid rental homes and villas in cities worldwide with onefinestay
  • Mastercard Priceless Golf
  • Complimentary professional travel services
  • Mastercard Hotel Stay Guarantee
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments

Currently available for SoFi members notified via email.

Terms & Conditions Official Terms & Conditions
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