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What is SoFi’s Everyday Cash Rewards Credit Card with personal loan rollover?

By Dana Paltao | Jul 16, 2026 | | Comments Off

SoFi’s Everyday Cash Rewards Credit Card with personal loan rollover is designed to help members take control of their high-interest credit card debt.
Traditional balance transfer cards promise relief — but they only solve half the problem. The 0% promo ends, the variable rate kicks in, and you’re back where you started.

The SoFi Everyday Cash Rewards Credit Card with personal loan rollover was built for the reality most people face: you might not pay off all of your credit card balance in time. Transfer your non-SoFi credit card balances at 0% APR for 15 months and pay down as much as you can before the promotional offer ends. Whatever balance is outstanding at month 15 automatically converts to a fixed rate personal loan. You’ll have a predictable monthly payment and a clear payoff date.

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ABOUT Dana Paltao

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 and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. Loans are originated by SoFi Bank, N.A. (Member FDIC) NMLS #696891 (www.nmlsconsumeraccess.org) Equal Housing Lender.

SoFi Lending Corp. NMLS #1121636

✝︎ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

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