SoFi Plus: SoFi Plus is a premium membership that gives members access to our best rewards, benefits, and more when they pay the SoFi Plus Subscription Fee. Benefits are subject to change and may not be available to everyone. All terms and conditions(opens in a new tab) applicable to the use of SoFi Plus apply. To learn more about SoFi Plus and available benefits and terms, please see the SoFi Plus(opens in a new tab) page.
1$1,000 Value of SoFi Plus membership: The value of a SoFi Plus membership varies depending on benefits used, and there is no guarantee you will reach any specific value. $1,000+ is based on the estimated value of SoFi Plus benefits over a 12-month period assuming: $20,000 deposited in a SoFi Savings account with a 4.5% APY at the start of the 12-month period; $15,000 annual spend on the SoFi Unlimited 2% Credit Card (with a 10% boost on cashback rewards); and one additional 30-minute session (beyond the basic member benefit) with a certified financial planner, with an assumed value of $300. Other benefits may be available. SoFi Credit Card cashback rewards are earned in the form of rewards points, and rewards points redeem at a rate of 1 cent per point. SoFi Plus members must be approved for a SoFi Credit Card in order to receive the corresponding benefit. Estimates valid as of 3/31/2026.
2SoFi Plus APY Benefit: SoFi Savings is a tiered-rate account for SoFi Plus Subscribers. Earn 4.50% Annual Percentage Yield (APY) on up to $20,000 in one SoFi Savings account, and 3.10% on all other Savings balances with a paid SoFi Plus subscription. Promotional APY boost offers cannot be combined on balances earning a 4.50% APY. Rates are current as of 5/28/26. APY is variable and subject to change at any time. There is no minimum balance requirement. Fees may reduce earnings. Terms apply at www.sofi.com/terms-of-use/#sofi-plus(opens in a new tab). See additional rates and information at: www.sofi.com/legal/banking-rate-sheet/March312026(opens in a new tab). SoFi Bank, N.A. Member FDIC.
3Investment Products: INVESTMENTS AND DIGITAL ASSETS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE SoFi Invest is a trade name used by SoFi Wealth LLC and SoFi Securities LLC offering investment products and services. Robo investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser. Brokerage and self-directed investing products offered through SoFi Securities LLC, Member FINRA(opens in a new tab)/SIPC(opens in a new tab). For disclosures on SoFi Invest platforms visit SoFi.com/legal(opens in a new tab). For a full listing of the fees associated with SoFi Invest please view our fee schedule(opens in a new tab). 1% Invest Match: Available to SoFi Plus members who make eligible cash deposits into taxable SoFi Invest accounts. You must be a SoFi Plus member at the time of deposit, remain a SoFi Plus member for one (1) year after the deposit settles, and keep the deposited funds in the account for five (5) years. Canceling SoFi Plus within one year or withdrawing/transferring funds during the five-year holding period may result in forfeiture of some or all of the match. Other restrictions apply. Excludes internal transfers and ACAT transfers. Match may be taxable.
Appointments with financial planners: SoFi Plus members can schedule an unlimited number of appointments with a financial planner. For complete SoFi Plus eligibility, please see the SoFi Plus terms.(opens in a new tab)SoFi members who do not meet the SoFi Plus eligibility criteria can schedule one (1) thirty-minute appointment with a financial planner. Members can only schedule an unlimited number of appointments with a financial planner during periods in which the member meets the SoFi Plus eligibility criteria. The ability to schedule appointments is subject to financial planner availability. SoFi reserves the right to change or terminate this benefit at any time with or without notice. Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.
$10 subscription fee: Subscribers are billed monthly based on the initial date of subscription.
