EX Everyday Cash Reward

Accounts 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

¹Members can earn cash back rewards points for every dollar spent on purchases, including 3% cash back rewards on eligible dining purchases, 2% cash back rewards on eligible grocery purchases, and 1% cash back rewards on all other eligible purchases. No rewards points will be earned with respect to reversed transactions, returned purchases, or other similar transactions. When you elect to redeem rewards points toward active SoFi accounts, including but not limited to, your SoFi Checking or Savings account, SoFi Money® account, SoFi Active Invest account, SoFi Automated Invest account, SoFi Credit Card account, SoFi Personal Loan, Private Student Loan, Student Loan Refinance, or toward SoFi Travel purchases, your rewards points will redeem at a rate of 1 cent per every point. For more details, please visit www.sofi.com/card/rewards?cardType=h. Brokerage and Active investing products offered through SoFi Securities LLC, member FINRA/SIPC. SoFi Securities LLC is an affiliate of SoFi Bank, N.A.

^*Rewards points, which in turn can be redeemed as cash rewards, are earned with every eligible purchase made with the SoFi Everyday Cash Rewards 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=h for more information on eligible purchases.

²Eligible Participants: Only new SoFi Everyday Cash Rewards Credit Card members that applied through Experian 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.

²Offer Terms: 0% Introductory APR on purchases for the first 15 months from the opening of your SoFi Everyday Cash Rewards Credit Card account. After that, your purchase APR will return to a variable 18.74% to 29.24% 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 15 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 18.74% to 29.24% 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.

³Certain World 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.

⁴Mastercard ID Theft Protection™: This World 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.

⁵Terms, and conditions apply: The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx

When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings

Eligibility:
You must be a SoFi registered user.
You must agree to SoFi’s privacy consent agreement.
You must book the travel on SoFi’s Travel Portal reached directly through a link on the SoFi website or mobile application. Travel booked directly on Expedia’s website or app, or any other site operated or powered by Expedia is not eligible.
You must pay using your SoFi Credit Card.

SoFi Member Rewards: All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: https://www.sofi.com/rewards/ Terms applicable to Member Rewards: https://www.sofi.com/terms-of-use/#rewards

Additional Terms:
Changes to your bookings will affect the Rewards balance for the purchase.
Any canceled bookings or fraud will cause Rewards to be rescinded.
Rewards can be delayed by up to 7 business days after a transaction posts on Members’ SoFi Credit Card ledger.
SoFi reserves the right to withhold Rewards points for suspected fraud, misuse, or suspicious activities.

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