The SoFi Smart Card is a credit card issued by SoFi Bank, N.A., Member FDIC, that is secured by your SoFi Checking and Savings account. Your Smart Card balance must be paid in full each month. The Smart Card is exclusively available to individual SoFi Checking and Savings accountholders and is subject to application and approval. To qualify for the Smart Card, you must meet SoFi’s eligibility requirements, including verification of sufficient income to support your ability to pay for Smart Card balances. We will not extend credit if you do not meet our pre-established criteria. Your eligibility for a SoFi Smart Card, or a subsequently offered product or service, is subject to the final determination by SoFi Bank, N.A., as issuer, pursuant to license by Mastercard® International Incorporated. The SoFi Smart Card can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND ELIGIBILITY. See full terms and conditions at SoFi.com/smart-card/#terms(opens in a new tab).
†| Penalty fees | |
| Late Payment Fee | Up to $41 |
1Eligible Participants: Only new SoFi Smart Card members are eligible for this one-time offer. Limit one offer per account. Members who have previously opened a SoFi Smart Card account are not eligible for this offer.
Promotion Period: This offer is valid between 08/17/2026 and 09/16/2026. You must open a new SoFi Smart Card account by 09/16/2026 in order to be eligible for this offer.
Bonus Terms: In order to receive the $25 bonus, your SoFi Smart Card account must be in good standing, and you must spend $100 or more within 30 days of account opening. You will receive your bonus as 2,500 SoFi Reward Points, which are worth $25 when redeemed into an active SoFi account (eligible accounts include but are not limited to SoFi Checking and Savings, SoFi Money, SoFi Active Invest account, SoFi Automated Invest account, SoFi Personal Loan, SoFi Private Student Loan, Student Loan Refinance). The following charges and transactions shall be excluded when calculating your total spend during the Promotion Period: reversed transactions, returned purchases, fees or interest charges, balance transfers or cash advances, purchase of traveler’s checks or other cash equivalents, purchase or reloading of prepaid cards, and quasi-cash transactions with certain categories of merchants. This offer does not change your responsibility to make the minimum monthly payment. Allow 25 days from qualifying for the Reward Points to be posted to your SoFi account. See Rewards details at https://www.sofi.com/terms-of-use/#rewards(opens in a new tab) for more information on eligible purchases.
2Earn 5% cash back rewards on eligible grocery store purchases with the SoFi Smart Card. Cash back rewards are issued in the form of SoFi Member Rewards points. Members earn 5 points for every dollar spent on eligible grocery store purchases. SoFi, in its sole discretion, determines grocery store eligibility. Superstores like Walmart and Target, warehouse clubs like Costco and Sam’s Club, convenience stores, grocery delivery services, and meal-kit delivery services are not considered grocery stores. All terms and conditions(opens in a new tab) applicable to the use of SoFi Member Rewards apply. To learn more about SoFi Member Rewards, please see the SoFi Member Rewards(opens in a new tab) page. No rewards points will be earned with respect to reversed transactions, returned purchases, cash advances, or other similar transactions.
3Grow your credit score: On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. SoFi will report your Smart Card activity to Experian®. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors, including the financial decisions you make with other financial services organizations.
4When you submit a request for credit, SoFi conducts a soft credit pull that will not affect your credit score. An approved request will result in a hard credit pull, which may impact your credit score. After evaluating your completed request and credit report we may decline to offer you credit.
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