SoFi Credit Card Tap To Play
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Designed to help you
save, invest, and pay down debt.
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Earn up to 3% cash back toward your financial goals when you apply and get approved for a credit card, and set up direct deposit through SoFi.** Plus, there’s no annual fee.†︎
Apply now
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By the way— applying won’t hurt your credit score.††
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Tap to play and win up to $10k.*
Once you apply and get approved for the SoFi Credit Card, not only can you tap to pay while you’re out making purchases—you can tap to play for a chance to win a welcome bonus between $10–$10K in rewards points.
*Prizes distributed as SoFi Rewards Points. No purchase necessary to play or win.
Terms and conditions apply.→
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NEW!
The first credit card that lets you cash in on crypto.
The SoFi Credit Card now lets you redeem points straight into crypto. You’ll earn up to 3% cash back on all purchases and can redeem it* directly into crypto with your SoFi active invest account.‡
SoFi will assess a fee for each crypto transaction outside of rewards redemption. For more information, visit SoFi.com/crypto
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Save, invest, and pay down SoFi debt with the SoFi Credit Card.
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A credit card that can help you achieve your financial goals? Yep, it’s true. Watch to learn how.
Watch now
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Applying won’t impact your credit score.††
We pre—fill the basics for members.
You fill in the rest.
Accept terms and conditions.
Apply now
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Get rewarded for spending on
popular brands.
$5 Lyft credit for every 3 rides
taken in a month, once per month.
Free annual membership
of $79.
3-month free trial of DashPass for
non-members + $5 discount on two orders
each month for DashPass subscribers.
See all World Elite Mastercard® Benefits offer details
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Bring on the benefits.
Smart spending and budgeting tools
Set a budget for each month and get a notification when you are close to reaching your budget.
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Cell phone protection
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Complimentary cell phone insurance coverage up to $1,000.
No foreign transaction fees
Travel internationally without worrying about the fees.
Mastercard ID theft protection™
1
Protect your personal information by detecting potential fraud.
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The decision is easy.
Apply for a SoFi Credit Card today.
Apply now
See Pricing, Terms & Conditions
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FAQs
When you apply, SoFi conducts a soft credit pull that will not affect your credit score. An approved application will result in a hard credit pull, which may impact your credit score.
You will earn 2 reward points for every dollar spent on eligible purchases. If you elect to redeem points as cash deposited into your SoFi Checking and Savings account, as fractional shares into your SoFi Invest account, as cryptocurrency into your SoFi Active Invest account, or as a payment toward your SoFi Personal or Student Loan, 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.
You can swipe, dip (where you insert it), or tap, your card to make a payment but tap won’t be enabled until you dip the card for the first time. This is an enhanced security feature.
In order to apply for the credit card you must temporarily lift the credit freeze. Please contact Experian (Credit Bureau) to remove the freeze.
You can set up auto-pay right away, but if you want to make a one-time payment, you can do so anytime in the app.
You will be able to review and accept Terms & Cardholder Agreement during application flow, and we will also email these to you.
