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Earn up to 3% cash back rewards toward your money goals.
Plus, get 0% Intro APR on balance transfers and purchases for 15 months3 with the SoFi Everyday Cash Rewards Credit Card. After 15 months, your APR will change to a variable 18.74% to 29.24% based on your credit worthiness. Balance transfers must be completed within 60 days of account opening.
Apply now
See Pricing, Terms & Conditions
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See Rewards Details
This offer is only valid for original recipients of a prescreened invitation from SoFi. You must open a new SoFi Everyday 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.
1You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 1-888-5-OPTOUT (1-888-567-8688). See PRESCREEN AND OPT-OUT NOTICE BELOW for more information about prescreened offers.
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Your cash back rewards
are as simple as 3-2-1.2
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Earn 3% on all things dining, including takeout and delivery apps.
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Earn 2% at grocery stores and online grocery delivery.
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Earn 1% on all other eligible purchases.
+Enjoy no caps on earnings or minimums to redeem rewards. And you can apply your rewards as statement credit—or toward saving, investing, and paying down eligible SoFi debt.*
Apply now
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Fewer fees.
More benefits.
No annual fee†
You read that right, pay no annual fee. Period.
No foreign transaction fees
Don’t worry about credit statement shock from international surcharges.
Zero Fraud Liability4
Don’t worry about paying for fraudulent transactions thanks to Zero Fraud Liability.
Mastercard World Benefits4
Enjoy monthly $5 credits for Lyft, free 2-day shipping from ShopRunner, and more.
ID Theft Protection5
Your identity is safe with us thanks to enhanced security.
SoFi Travel rewards6
Earn 3% cash back rewards when you book trips through SoFi Travel.
{/* Consider this your credit card cheat sheet */}
Consider this your
credit card cheat sheet.
See more articles
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FAQs
The initial SoFi credit card application is a soft credit pull, which will bring no impact to your credit score if you get declined. However if you’re accepted – we will run a hard pull which may impact your credit score.
You will earn unlimited 3% cash back rewards on a wide variety of dining out and dining in options:
Dining out includes a wide variety of categories like restaurants, cafes, bars, lounges, fast food chains, and bakeries. Dining in includes food delivery platforms like DoorDash and UberEats.
You will earn unlimited 2% cash back rewards on everyday grocery shopping at a wide variety of grocery stores, online grocery delivery, and convenience stores nationwide.
You will earn unlimited 1% cash back on all other purchases. This is automatically applied to every purchase you make – whether you swipe, dip, tap, or pay online. See more details at https://www.sofi.com/card/rewards?cardType=h
To be eligible for a SoFi credit card, you must be at least 18 years old (or the legal age required by your state of residence), have a physical U.S. mailing address, and possess a valid Social Security number. The SoFi Everyday Cash Rewards card is designed for those with good to excellent credit.
If you’re not currently a SoFi member, the Apply Now button above will prompt you to create a SoFi account. If you are already a member, you’ll be asked to log in before applying. In either case, your online application can be completed in less than 2 minutes!
You can redeem rewards as statement credits or distribute them in other SoFi products including SoFi Checking & Savings, Invest, and eligible SoFi loan payment products.
At SoFi, the protection of our members is of the utmost importance. Click here to learn more about how we protect you against identity theft and fraud.
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