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

Eligible Participants: Only new SoFi Unlimited 2% Credit Card members that receive this mailing with a unique code are eligible for the 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 Unlimited 2% 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.

¹ Offer Terms: 0% Introductory APR on purchases for the first 15 months from the opening of your SoFi Unlimited 2% Credit Card account. After that, your purchase APR will return to a variable 19.24% to 29.74% 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 19.24% to 29.74% 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.

⁴ Terms, 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.

©2024 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org).

⁵ Mastercard ID Theft Protection™: This World Elite 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.

⁶ Certain World Elite Mastercard® Benefits have additional terms and conditions, which can be accessed through the World Elite Mastercard® Benefits portal. Please see your guide to benefits for details or call 1-800-MASTERCARD.

Any benefit, reward, service or feature offered in connection with your Card Account may change or be discontinued at any time for any reason, except as otherwise expressly indicated. SoFi Credit isn’t responsible for products and services offered by other companies.

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