SoFi

Makayla sent you
a $50 welcome bonus.

  1. Apply for the SoFi Credit Card in less than 2 minutes.
  2. Get approved.
  3. Get $50 in reward points toward your financial goals
Apply nowSee Pricing, Terms & Conditions

Get Your Money Right.®

We believe a cash back card should earn you money, help you invest, and pay down your debt. That’s why we created the SoFi Credit Card.

2% unlimited cash back*

No annual fee

Lower APR when you pay on time

Smart spending and budgeting tools

Official Rules

The following describes the terms of service which apply to participation in the referral or account opening promotional programs (collectively, the “Referral Programs“) currently offered by Social Finance, Inc. (“SoFi“) and its affiliates. If you wish to participate in any Referral Program described below, you agree to the terms for such Referral Program described in Part I below, as well as the General Terms and Conditions in Part II, which apply to all Referral Programs.

*Please note that any friend whom you’d like to refer must use your specific product referral link in accordance with the terms and conditions associated with the specific promotional campaign for that link. Note you have separate referral links for (1) Personal Loans and Student Loans, (2) Money, (3) Checking and Savings accounts, (4) Invest products, (5) Credit Card, and (6) referring to the app generally. Only one referral reward and one welcome bonus per new customer. You will not receive multiple referral bonuses for the same friend taking advantage of multiple promotions, nor will your friend receive multiple welcome bonuses for taking advantage of multiple promotions. SoFi mortgages are never eligible for the SoFi Referral Program. Additional terms and conditions apply.

Each person referred should be someone you have a direct, personal relationship with. You may not distribute a Referral Link or otherwise solicit anyone through mass email, any form of commercial advertising or other similar means.

SoFi reserves the right to review, investigate, and disqualify anyone from participation in the SoFi Referral Program at any time, and reserves the right to not honor any referral which in our sole discretion was solicited in a manner inconsistent with the spirit or terms and conditions of the SoFi Referral Program.

Furthermore, SoFi Securities reserves the right to seek reimbursement from any customer (including by deduction from their Invest Account) of amounts paid as Referral Bonuses to customers solicited via mass solicitation. Please note that in certain circumstances the deduction of such amounts from their account may result in a negative balance.

Any person referred to a SoFi loan, SoFi Checking or Savings account, or SoFi Credit Card may not have an existing registered SoFi account. A person referred to a SoFi Invest account or SoFi Digital Assets account (for crypto) may have an existing SoFi registered account.

If account funding is required to meet referral bonus payout eligibility, P2P transfers or proceeds of a reward, promotion or similar program are not eligible methods of funding.

To protect the privacy of those you refer, referral prospect account information or eligibility is not, under any circumstances, permitted to be shared with referral promoters.

Program terms—Part I

General terms and conditions—Part II

See Pricing Terms & Conditions. Lower your APR: Once a customer makes 12 on-time payments, of at least the minimum payment due, on the SoFi Credit Card, SoFi will reduce the APR by 1% for so long as you continue to make such payments.

Credit Card accounts are 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 The Bank of Missouri (“TBOM”) (“Issuer”), as issuer. 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. The SoFi Credit Card is issued by TBOM 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.

SoFi’s Relay tool offers users the ability to connect both in-house accounts and external accounts using Plaid, Inc’s service. The credit score provided to you is a Vantage Score® based on TransUnion™ (the “Processing Agent”) data.

*Members earn 2 reward points for every dollar spent on eligible purchases. If you elect to redeem points as cash deposited into your SoFi Money account, as fractional shares into your SoFi Invest account, or as a payment toward your SoFi Personal Loan or Student Loan Refinance, then your points will redeem at a rate of 1 cent per point. If you elect to redeem points as a statement credit into your SoFi Credit Card account, then your points will redeem at a rate of 0.5 cents per point. For more details, please see SoFi.com/card/rewards.

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