1Accounts subject to additional credit approval. To qualify for approval, you must meet SoFi’s pre-established underwriting requirements, including verification of sufficient income to support your ability to pay. We will not extend you credit if you do not meet our pre-established criteria. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. If approved for a SoFi Credit Card, your credit access line will be at least $500. 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
2 Eligible Participants: Only new SoFi Essential Credit Card members that receive this e-mail offer addressed to their e-mail address 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.
Promotion Period: This offer is valid between 12/2/25 and 1/7/26. You must open a new SoFi Essential Credit Card account by 1/7/26 in order to be eligible for this offer.
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 28.99% based on your creditworthiness. Currently the ability to make Balance Transfers is available to recipients of promotional offers only. Balance Transfers may only be made for credit card debt that is payable to financial institutions within the network of the third party service provider of SoFi Credit Card Balance Transfer services. 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 28.99% 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 72 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. A Balance Transfer Fee is charged on each Balance Transfer and will be reflected in the minimum payment for the billing period in which the Balance Transfer is consummated. You 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.
3 Certain World Elite Mastercard® Benefits have additional terms and conditions, which can be accessed through the World Mastercard® Benefits portal. Please see your guide to benefits for details or call 1-800-MASTERCARD.
PRESCREEN AND OPT-OUT NOTICE: You received this “prescreened” offer of credit because we used information from your credit report to determine that you satisfied certain criteria. This offer is not guaranteed if you do not meet our criteria. However, if you do not want to receive prescreened offers of credit from us and other companies, you may exercise the right to not be included on prescreened lists by calling the consumer reporting agencies toll-free at 1-888-5-OPTOUT (1-888-567-8688), visiting the website at www.optoutprescreen.com, or writing to: Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123, TransUnion, Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505, Experian Consumer Opt Out, P.O. Box 919, Allen, TX 75013.
SoFi Bank, N.A. 2750 East Cottonwood Parkway #300, Cottonwood Heights, Utah 84121
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