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SoFi Unlimited 2% card: See if we have an existing offer for you.
The SoFi Credit Card has a new name: the SoFi Unlimited 2% Credit Card. Because now, you’ll earn unlimited 2% cash back rewards1, any way you want to redeem them into a SoFi account—including statement credit! Plus, pay no annual fee† and earn 3% cash back rewards on SoFi Travel!2 This card is recommended for customers with excellent credit.
Learn more
See Pricing, Terms & Conditions
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See Rewards Details
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Unlimited 2% cash back rewards
means 100% awesome.
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Unlimited 2% cash back rewards
Earn unlimited 2% cash back rewards on all purchases1 and redeem as statement credit—or toward saving, investing, and paying down eligible SoFi debt.
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Fewer restrictions
Simplify your cash back rewards with no limits, caps, rotating categories, or minimum to redeem.
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SoFi Travel rewards2
Earn 3% cash back rewards on trips booked through SoFi Travel.
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Cash back rewards
is just the beginning.
Zero Fraud Liability Protection4
Never pay for unauthorized charges thanks to enhanced fraud protection.
ID Theft Protection5
Don’t get thrown off your money goals in the event your identity is stolen.
No annual fee†
You read that right, you’ll pay no annual fee whatsoever.
No foreign transaction fees
Enjoy globetrotting that much more by skipping foreign transaction fees.
Mastercard World Elite Benefits4
Enjoy 24/7 Travel Concierge, $5 monthly Lyft credits, free 2-day shipping with ShopRunner, 2-month Instacart free trial, and more.
Cell phone protection6
Get up to $1,000 of complimentary cell phone insurance coverage.
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Consider this your
credit card cheat sheet.
See more articles
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FAQs
You can always apply now without a pre-qualified offer. This card is recommended for customers with excellent credit.**
Your 2% cash back rewards on purchases will automatically be applied to your SoFi account – whether you swipe, dip, tap, or pay online. More details can be found at https://www.sofi.com/card/rewards
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 Unlimited 2% credit card is designed for those with excellent credit.**
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 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.
See all FAQs
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Ready to get started?
Click “Get Started” to see if we have an existing pre-qualified offer for you – this check takes 60 seconds or less and will not impact your credit score.
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