A single discount may not look like much at a glance, but if you take advantage of them all, the savings pile up in a hurry. You can get up to 0.875% in total rate discounts*, saving you over $800 on a $36,000 loan with a 5-year term.
View your rate
The day has finally come! SoFi Plus—our new premium membership that unlocks the best rates, rewards, and discounts across SoFi—is now available to all members. All you need to do to unlock Plus for $0 is set up direct deposit to SoFi Checking and Savings.
What’s included with Plus?
SoFi Plus is designed to help you get the most out of your money, and includes perks like double SoFi rewards points on qualifying activities¹ and preferred access to IPOs², as well as welcome offers like 3% cash back on eligible SoFi Credit Card purchases³.
More perks of Plus:
• 3.25% APY on all savings balances⁴, 13x the national average savings account rate⁵
• 2.50% APY on checking balances, 62x the national average⁶
• No-fee overdraft coverage⁷
• Up to 2-day early paycheck⁸
• Discounted personal loan rates⁹
How do you get SoFi Plus?
All you need to do is open up a SoFi Checking and Savings account and set up direct deposit—and you can do that right here! You’ll automatically unlock Plus at no cost once your first paycheck gets deposited.If you’re an existing SoFi member and you receive monthly direct deposits to SoFi Checking & Savings, you should’ve already automatically unlocked Plus. Look for the Plus badge next to your profile icon when you log in to your account.
If you recently set up direct deposit, keep in mind that it can take between 2-4 weeks for your first paycheck to get deposited to your account. As soon as it’s in, you will automatically unlock SoFi Plus—so keep an eye out for the Plus badge in your account.
DISCLOSURES
1. Terms: 2x rewards points on qualifying activity: Monthly grant of Rewards Points under the SoFi Rewards Program (Please review your “How to earn points” page in your app for additional details) during periods in which the Plus Member has enabled Qualifying Direct Deposits. The specific number of rewards points is subject to change at any time and can be found here. SoFi Plus members also can earn double the points as stated on the SoFi Member Rewards “Earn Wall” for qualifying earn triggers (see app for most up-to-date source of truth) with the following exclusions: Credit or Debit card spend paid in rewards points, welcome bonuses paid in rewards points (including any referral bonuses paid in rewards points), points for recurring Direct Deposits, and select incentivized campaigns paid in rewards points where noted.
2. Brokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).
Investing in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement. IPOs offered through SoFi Securities are not a recommendation and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation.
3. You will need to maintain a qualifying Direct Deposit every month with SoFi Checking and Savings in order to continue to receive this promotional cash back rate. Qualifying Direct Deposits are defined as deposits from enrolled member’s employer, payroll, or benefits provider via ACH deposit. Deposits that are not from an employer (such as check deposits; P2P transfers such as from PayPal or Venmo, etc.; merchant transactions such as from PayPal, Stripe, Square, etc.; and bank ACH transfers not from employers) do not qualify for this promotion. A maximum of 36,000 rewards points can be earned from this limited-time offer. After the promotional period ends or once you have earned the maximum points offered by this promotion, your cash back earning rate will revert back to 2%. 36,000 rewards points are worth $360 when redeemed into SoFi Checking and Savings, SoFi Money, SoFi Invest, Crypto, SoFi Personal Loan, SoFi Private Student Loan or Student Loan Refinance and are worth $180 when redeemed as a SoFi Credit Card statement credit.
Promotion Period: The Program will be available from 4/5/22 12:01AM ET to 12/31/22 11:59PM ET. SoFi reserves the right to exclude any Member from participating in the Program for any reason, including suspected fraud, misuse, or if suspicious activities are observed. SoFi also reserves the right to stop or make changes to the Program at any time.
Eligible Participants: All new members who apply and get approved for the SoFi Credit Card, open a SoFi Checking and Savings account, and set up Direct Deposit transactions (“Direct Deposit”) into their SoFi Checking and Savings account during the promotion period are eligible. All existing SoFi Credit Card members who set up Direct Deposit into a SoFi Checking & Savings account during the promotion period are eligible. All existing SoFi members who have already enrolled in Direct Deposit into a SoFi Checking & Savings account prior to the promotion period, and who apply and get approved for a SoFi Credit Card during the promotion period are eligible. Existing SoFi members who already have the SoFi Credit Card and previously set up Direct Deposit through SoFi Money or SoFi Checking & Savings are not eligible for this promotion.
4. SoFi members with direct deposit can earn up to 3.25% annual percentage yield (APY) on savings balances (including Vaults) and 2.50% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 3.25% APY for savings and 2.50% APY for checking balances. Members without direct deposit will earn 1.20% APY on all account balances in checking and savings (including Vaults). Interest rates are variable and subject to change at any time. These rates are current as of 11/30/2022. Additional information can be found at https://www.sofi.com/legal/banking-rate-sheet.
5. 13x based on FDIC monthly savings account rate as of November 30, 2022.
6. 62x based on FDIC monthly interest checking rate as of November 30, 2022.
7. Overdraft Coverage is limited to $50 on debit card purchases only and is available to customers with monthly direct deposits of $1,000 or more. Members with a prior history of non-repayment of negative balances are ineligible for Overdraft Coverage.
8. Early access to direct deposit funds is based on the timing in which we receive notice of impending payment, which is typically up to two days before the scheduled payment date.
9. Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi’s underwriting requirements. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. Additional terms and conditions may apply. Lowest rates reserved for the most creditworthy borrowers. The average of SoFi Personal Loans funded in 2021 was around $33K. Information current as of XX/XX/XX. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details.
To qualify for an additional 0.25% APR direct deposit discount you must: (1) set up autopay with a SoFi Checking and Savings or a SoFi Money account within 20 days of the funding of your loan, AND (2) setup payroll direct deposits of at least $1,000/mo to a SoFi Checking and Savings account or a SoFi Money account within 35 days of the funding of your loan. If you do not set up autopay with a SoFi Checking and Savings account or a SoFi Money account within 20 days of the funding of your loan, AND set up payroll direct deposits to a SoFi Checking and Savings account or a SoFi Money account within 35 days of the funding of your loan, you will not be qualified for this additional 0.25% direct deposit rate reduction. Once qualified, you will receive this additional 0.25% direct deposit discount during periods in which you have direct deposits of at least $1,000/mo turned on with your SoFi Checking and Savings account or SoFi Money account. This additional direct deposit discount will be lost during periods in which you have turned off direct deposits for your SoFi Checking and Savings account or SoFi Money account. You are not required to enroll in autopay or direct deposits to receive a loan. The Direct Deposit Rate Reduction excludes members from receiving any other cash incentive related to the SoFi Checking and Savings direct deposit promotional program.
Read more
Inflation is taking a toll on employees’ financial wellness, making budgeting and financial planning tools more important than ever. Here’s how HR pros can help.
Read moreThe DoorDash Gift Card Offer (the “Offer”) begins at 12:00:00 PM Eastern Time (“ET”) on 05/19/2025 and ends at 11:59:59 ET on 12/31/2025 (“Promotion Period”) or whenever the final gift card is claimed, whichever is sooner. Open to any employee or member of a SoFi at Work dashboard partner who is a legal resident (physically located) in the 50 United States and the District of Columbia, age 18 or older, and to whom the Offer is specifically addressed. Sponsor: Social Finance, LLC 234 1st Street, San Francisco, CA 94105 (“SoFi” and “Sponsor”). SoFi may change or terminate this offer at any time without notice to you.
Eligibility: You qualify for a DoorDash Gift Card (“Gift Card”), while supplies last, when you 1) Open the Offer email you received from SoFi, 2) Sign up for a new SoFi at Work account through your Dashboard, and 3) Complete your Financial Health Assessment during the Promotion Period. Members who have previously signed up for a SoFi at Work account or completed a previous Financial Health Assessment are not eligible. Employees of Sponsor, DoorDash, Inc., and their respective parent companies, subsidiaries, affiliates, advertising and/or promotion agencies, distributors (the “Released Parties”), and their immediate family members and/or those living in the same household of each are not eligible to participate.
Gift Card Delivery: After your registration is accepted and you complete the Financial Health Assessment, a $25 Gift Card will be sent to the email address associated with registering for your SoFi at Work Dashboard. Limit one (1) Gift Card per participant. Allow 2-6 weeks for delivery. Sponsor is not responsible for any lost, misdirected, incomplete, or illegible email and/or for any undeliverable, stolen, or misdirected Gift Card and will have no further obligations to any participant. No substitution permitted; however, the Sponsor reserves the right to substitute the Gift Card with another item at its sole discretion.
Gift Card Usage: Gift Card is redeemable toward eligible orders placed on www.doordash.com or in the DoorDash app in the United States. By using the Gift Card, you agree to DoorDash, Inc.’s Gift Card Terms and Conditions.
Privacy: By participating in this Offer, Participants may be contacted by the Sponsor and/or its promotional partner(s) with future promotional offers, and subject to Sponsor’s Privacy Policy. To opt out of further contact and/or understand how your data is processed, visit Sponsor’s Privacy Policy.
Read more{/* Plus 2% IRA Match Module Plus page */}
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Packed with brand new benefits, like the NEW SoFi Smart
Card, SoFi Plus now unlocks 20+ perks and $1,000+ in
annual value with qualifying activities.5 Plus up your
finances with our best rates, rewards, investment matches,
and more. Subscribe now for just $10/month.6
5$1,000 value: See assumptions and details below, value is not guaranteed and varies depending on benefits used. Terms apply.
Get unlimited 5% cash back rewards at grocery stores with the NEW SoFi Smart Card.
Get 4.00% APY on SoFi Bank savings for up to six months with eligible direct deposit. Terms apply.
Get a 2% match on recurring IRA contributions7, plus a 1% match on recurring deposits8 made through SoFi Invest®.
Schedule unlimited one-on-one sessions with experienced SoFi Wealth Financial Planners.9
Plus, more, more, more!
Get SoFi Plus
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This game-changing charge card is secured by your SoFi Checking and Savings and has no hard credit pull to apply.
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All the rewards of the NEW Smart Card are included with your SoFi Plus subscription of just $10/month6.
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Save $6,000 and earn $220 in interest with our highest APY on SoFi Bank savings.
Spend $2,300 on your SoFi Credit Card each month and earn $600 in cash back rewards.
Meet with a financial planner, a $250 value.
$250 value each time.
Schedule as many one-on-one sessions as you need.
4 sessions x $250 = $1,000.
We’ll celebrate you closing a dream home with a dream discount.
Your $1,000 discount is also available on a mortgage refinance.
Must be a SoFi Plus member when approved.
Or find your own path! There are so many ways to save and earn with SoFi Plus, we can’t wait to see what you’ll do.
Get SoFi Plus
1$1,000 value: See assumptions and details below, value is not guaranteed and varies depending on benefits used. Terms apply.
The estimated value of a meeting with our financial planners is based on SoFi’s competitive assessment of similar offerings. See full terms below.
SoFi Plus members are eligible for a one-time discount on loans originated by SoFi Bank of $1,000 off the standard origination fee for home purchase or refinance mortgages. See full terms below.
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Double your match with SoFi Plus. Get a 1% match on your IRA contributions, plus an extra 1% cash match8 on all your recurring SoFi Invest® deposits.
Schedule your deposits
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It’s a window of opportunity open exclusively to SoFi Plus members. Don’t wait—the offer ends 4/15/26.
Get SoFi Plus
Members with Eligible Direct Deposit or Qualifying Deposits receive complimentary SoFi Plus access through 3/30/26 and are eligible for this promotion. Terms and conditions apply. Matches are made on contributions up to the annual limits.
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Combining SoFi Plus and SoFi Invest could help you make some genius money moves—starting with double the usual welcome bonus, exclusively for SoFi Plus members.
Subscribe to SoFi Plus.
Open and fund your active invest account with at least $50.
Claim up to $2,000 in stock in the SoFi app!
You’ll receive up to $1,000 once you open and fund your active invest account, then your stock award will be doubled (up to $2,000) once we’ve confirmed your SoFi Plus membership status.
Get SoFi Plus
13Customer must fund their Active Invest account with at least $50 within 45 days of opening the account. Receive a minimum of $10. Probability of member receiving $2,000 is a probability of 0.026% If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Percentages for the $2,000 are subject to decrease. See full terms and conditions.
No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this offer. Third party trademarks referenced herein are property of their respective owners.
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Here are the necessary steps:
Open a new SoFi Checking and Savings account by 1/31/26. Already have an account? Great, go to step 2.
Become a SoFi Plus member or set up eligible direct deposit by 1/31/26 for just $10 a month.6
Enjoy a 0.70% APY boost on your savings for six months as long as you maintain your SoFi Plus membership or eligible direct deposit. Heads up: You’ll still get the 0.70% boost on top of our standard savings rate, even if our variable APY changes.
Open an account
2Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 11/12/25)
for up to 6 months. Open a new SoFi Checking and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change.Terms apply here. SoFi Bank, N.A. Member FDIC.
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More rewards
10% boost on cash back rewards earned through select SoFi Credit Cards14
NEW! 5% cash back rewards on all bookings (excluding air) on SoFi Travel15
2x rewards points on qualifying account activity16
More for borrowers
$1,000 home mortgage discount. Must be a SoFi Plus member when approved.17
NEW! $400 home equity loan discount17
NEW! Rate discount on new Parent student loans18
Rate discount on new personal loans19
Rate discount on student loan refinancing20
See below for specific offer terms
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These easy-to-earn benefits are just the start of the $1,000+ in annual value that SoFi Plus subscribers unlock with qualifying activities.
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SoFi Plus members get exclusive chances to enjoy top, live entertainment with SoFi Plus Experiences.
Get SoFi Plus
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Unlock $1,000+ in annual value with qualifying activities5 for just $10/month.6
Get SoFi Plus
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