DM ECR 15TT + 200

¹PRESCREEN 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.

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

²Members 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.

³Eligible Participants: Only new SoFi Everyday Cash Rewards Credit Card members that receive this mailing with a unique confirmation code 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: To receive this offer you must open a new SoFi Everday Cash Rewards Credit Card account with your unique confirmation code by the respond by date printed on the direct mail letter you received in order to be eligible for this offer.

Offer 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 32.99% based on your creditworthiness. 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 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.

⁴Bonus Terms: In order to receive the $200 bonus, your SoFi Everyday Cash Rewards Credit Card account must be in good standing, and you must spend $1,000 or more within 90 days of account opening. You will receive your bonus as a statement credit to your SoFi Everyday Cash Rewards Credit Card account. The following charges and transactions shall be excluded when calculating your total spend during the Promotion Period: reversed transactions, returned purchases, fees or interest charges, balance transfers or cash advances, purchase of traveler’s checks or other cash equivalents, purchase or reloading of prepaid cards, and quasi-cash transactions with certain categories of merchants. This offer does not change your responsibility to make the minimum monthly payment. Allow 45 days from qualifying for the statement credit to be posted to your SoFi Everyday Cash Rewards Credit Card account.

⁵Certain 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.

⁶Mastercard 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.

⁷Terms, 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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