Accounts subject to additional credit approval. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. Your eligibility for a SoFi Credit Card Account or a subsequently offered product or service is subject to the final determination by SoFi Bank, N.A., as issuer, pursuant to license by Mastercard® International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Please allow up to 30 days from date of submission to process your application. The card offer referenced in this communication is only available to individuals who are at least 18 years of age (or of legal age in your state of residence), and who reside in the United States.
†See Pricing, Terms & Conditions
*Rewards points, which in turn can be redeemed as cash rewards, are earned with every eligible purchase made with the SoFi Essential Card for a customer who is in good standing. No points will be earned with respect to reversed transactions, returned purchases, or other similar transactions. See Rewards Details at www.sofi.com/card/rewards?cardType=a for more information on eligible purchases.
1Eligible Participants: Only new SoFi Essential Credit Card members that applied through Credit Karma are eligible for this one-time offer. This offer may not be transferred. Limit one offer per account. Members who have previously opened a SoFi Credit Card account are not eligible for this offer. SoFi reserves the right to terminate or make changes to this offer at any time.
Offer Terms: 0% Introductory APR on purchases for the first 9 months from the opening of your SoFi Essential Credit Card account. After that, your purchase APR will return to a variable 32.99% based on your creditworthiness. 0% Introductory APR on Balance Transfers for the first 9 months from the date of first transfer when transfers are completed within 60 days of account opening. After that, your APR on the transferred balance will return to a variable 32.99% based on your creditworthiness. The maximum amount you may use for Balance Transfers will not exceed 75% of your total Credit Limit. Allow up to 24 hours for each Balance Transfer to be reflected on your account. SoFi shall assess a Balance Transfer Fee equal to the greater of [$10 or 5%] of the Balance Transfer. Must make minimum payments and keep your account in good standing. We may revoke any promotional APR if you fail to make a payment of at least the minimum payment due within 60 days of the due date. Your new APR will be the Standard Purchase APR.
2Certain Mastercard® Benefits have additional terms and conditions, which can be accessed through the Mastercard® Benefits portal. Please see your guide to benefits for details or call 1-800-MASTERCARD.
3Mastercard ID Theft Protection™: This Mastercard® Benefit comes at no additional cost. Cardholders need to register for this service. To activate your alerts benefit, visit mastercardus.idprotectiononline.com and enter your card number to start the registration process. Certain terms, conditions, and exclusions apply. This service is provided by Generali Global Assistance, Inc. Please see your guide to benefits for details or call 1-800-MASTERCARD.
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