SoFi Plus: SoFi Plus is a premium membership that gives members access to our best rewards, benefits, and more when they pay the SoFi Plus Subscription Fee. Between 12/9/25–3/30/26, members with Eligible Direct Deposit or Qualifying Deposits will receive complimentary access to SoFi Plus. Benefits are subject to change and may not be available to everyone. All terms and conditions applicable to the use of SoFi Plus apply. To learn more about SoFi Plus and available benefits and terms, please see the SoFi Plus page.

¹SoFi Smart Card: The “all-in-one account” includes the benefits and services of the SoFi Smart Card, SoFi Checking and Savings account and the SoFi Bank Debit Card. Smart Card is a charge card issued by SoFi Bank, N.A., Member FDIC, that is secured by your SoFi Checking and Savings account, a deposit account. Deposit accounts are FDIC-insured, while credit products are not.

The “best all-in-one account” is based on a SoFi review of competitive products that offer debit, credit, and savings features, assessing the APY earned on reserved funds, cash-back rates earned on grocery spend, and applicable fees, among other benefits. This review was based on publicly available data as of December 2025. Individual assessments and conclusions of the relative value of these components may vary.

The Smart Card is exclusively available to individual SoFi Checking and Savings accountholders who pay for SoFi Plus membership 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/sofi-plus/smart-card.

²5% cash back rewards: Earn 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. This benefit is subject to continued paid SoFi Plus subscription. All terms and conditions applicable to the use of SoFi Member Rewards apply. To learn more about SoFi Member Rewards, please see the SoFi Member Rewards page. No rewards points will be earned with respect to reversed transactions, returned purchases, cash advances, or other similar transactions.

³APY boost: SoFi Plus members can earn up to 4.30% Annual Percentage Yield (APY) with a limited-time 0.70% APY Boost to the current Savings APY of 3.60% (rate current as of 11/12/2025). Rates are variable and subject to change.

SoFi Boost APY Promotion Terms

The following terms and conditions (the “Terms”) apply to the SoFi APY Boost Promotion (the “Promotion”), which allows Eligible Members (as defined below) to receive a 0.70% annual percentage yield (“APY”) boost to the APY earned on one SoFi Savings account (the “0.70% APY Boost”) for up to six months by completing the required actions described below. If you have already received this Boost on one account, you are not eligible to receive the 0.70% APY Boost on a subsequent account.

Promotion Period:

• August 5, 2025 at 12:00 a.m. E.T. – January 31, 2026 at 11:59 p.m. E.T.

Who is eligible for the Promotion?

Members who are new to SoFi Checking and Savings AND who have not previously enrolled in SoFi Plus as of 8/5/25 are eligible for this promotion (“Eligible Members”). Members who have previously opened a SoFi Checking and Savings account and/or previously enrolled in SoFi Plus are not eligible. Eligible Members must complete the qualifying activities described below in order to receive the 0.70% APY Boost.

What qualifying activities do I need to complete to earn the 0.70% APY Boost?

In order to receive the 0.70% APY Boost, you must complete all qualifying activities described in either Option 1 or Option 2 below.

Option 1

• Open a new SoFi Checking and Savings account between 8/5/2025 and 1/31/2026; AND

• Complete one of the following activities within 60 days after opening your SoFi Checking and Savings account:

Enroll in SoFi Plus by paying the SoFi Plus Subscription Fee; OR

Receive an Eligible Direct Deposit into your SoFi Checking and Savings account; OR

Receive $5,000 in Qualifying Deposits into your SoFi Checking and Savings account;

• AND pay the SoFi Plus Subscription Fee every 30 calendar days, or receive an Eligible Direct Deposit or $5,000 in Qualifying Deposits every 31 calendar days for a period of six months.

Option 2

• Enroll in SoFi Plus by paying the SoFi Plus Subscription Fee between 8/5/2025 and 1/31/2026; AND

• Open a new SoFi Checking and Savings account by 1/31/2026; AND

• Maintain your SoFi Plus Subscription Fee for a period of six months.

When will I begin earning the 0.70% APY Boost?

Once you have completed all qualifying activities described in either Option 1 or Option 2 above, you will begin receiving the 0.70% APY Boost on your Savings account balances by the following business day. However, if you set up Eligible Direct Deposit, you will begin receiving the 0.70% APY Boost within one business day after SoFi recognizes your Eligible Direct Deposit.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you’re earning the 0.70% APY Boost, we encourage you to check your APY Details page the day after your Eligible Direct Deposit arrives. If your 0.70% APY Boost is not showing, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the 0.70%% APY Boost from the date you contact SoFi.

How long will I earn the 0.70% APY Boost?

You will continue to receive the 0.70% APY Boost for a period of up to six months (the “Boost Period”), provided that you remain enrolled in SoFi Plus for the full Boost Period. In order to remain enrolled in SoFi Plus for the full Boost Period, you must receive an Eligible Direct Deposit into your Checking or Savings account every 30 days or pay the SoFi Plus Subscription Fee every 30 days. See the SoFi Plus Terms and Conditions for additional details.

During the Boost Period, if you lose your SoFi Plus status for any period, you will not earn the 0.70% APY Boost for that period. Your rates will revert to the standard rates set forth on the SoFi Bank Rate Sheet at https://www.sofi.com/legal/banking-rate-sheet. However, you will be eligible to receive the 0.70% APY Boost again during the remainder of the Boost Period by re-enrolling in SoFi Plus.

Additional Important Terms:

• Only one promotional APY offer may apply at any time. The 0.70% APY Boost may not be combined with other promotional rates.

• Promotion is non-transferable and limited to one 0.70% APY Boost per member. Any subsequent accounts opened by the member will not receive the 0.70% APY Boost.

• SoFi reserves the right to modify, suspend, or terminate the Promotion at any time without notice.

• Standard rates are variable and subject to change at any time. There is no minimum balance requirement. Fees may reduce earnings. For current rates and additional disclosures, please see: https://www.sofi.com/legal/banking-rate-sheet.

SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.

⁴Grow 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.

⁵$1,000 Value of SoFi Plus membership: The value of a SoFi Plus membership varies depending on benefits used, and there is no guarantee you will reach or receive any specific value. $1,000+ estimated value is based on (i) the average activity of existing SoFi Plus members for the following benefits over a 12-month period and (ii) publicly available Urban Institute’s American Affordability Tracker data regarding average annual grocery spending used to estimate potential Smart Card cash back rewards: an estimated $600 in annual cash back rewards at grocery stores with SoFi Smart Card (estimated earnings based on 5% cash back rewards on grocery store purchases and the average monthly grocery spend for a family of four, as reported in the Urban Institute’s American Affordability Tracker, released October 2025. Actual rewards earned will vary based on household size, grocery spending, and card usage), an average of $17,000 deposited in a SoFi savings account with a 3.6% APY at the start of the 12-month period, $21,500 average annual spend on the SoFi Unlimited 2% Credit Card (with a 10% boost on cash-back rewards), and one additional 30-minute session (beyond the basic member benefit) with a certified financial planner, with an assumed value of $300. Other Plus benefits are available beyond those stated above. SoFi Credit Card cash back rewards are earned in the form of rewards points, and rewards points redeem at a rate of 1 cent per point. SoFi Plus members must be approved for a SoFi Credit Card or SoFi Smart Card in order to receive the corresponding benefits. Savings and spend assumptions are based on average activity from existing SoFi Plus members between the period of 10/1/2024 – 9/30/2025. Terms apply.

⁶$10 subscription fee: Subscribers are billed every 30 calendar days based on the initial date of subscription.

Investment Products: ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

SoFi Invest is a trade name used by SoFi Wealth LLC and SoFi Securities LLC offering investment products and services. Robo investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser. Brokerage and self-directed investing products offered through SoFi Securities LLC, Member FINRA/SIPC.

For disclosures on SoFi Invest platforms visit SoFi.com/legal. For a full listing of the fees associated with Sofi Invest please view our fee schedule.

⁷2% IRA match: Active SoFi Plus members are eligible for a 2% match offer on qualifying recurring IRA contributions, up to their Internal Revenue Service (IRS) contribution limit, into their eligible new or existing SoFI IRA account. The match requires the funds and match to be maintained in the account that received the match for five (5) years from the settlement date. Matches are paid in cash within five (5) business days. For complete eligibility and terms, please see the SoFi Plus terms and SoFi 1% Rollover and IRA Deposit Match terms. SoFi Invest encompasses services provided by SoFi Wealth LLC (Automated Investing/advisory) and SoFi Securities LLC (Active Investing/brokerage), Member FINRA/SIPC.

⁸1% match on recurring invest deposits: Must be an active SoFi Plus member at the time a recurring deposit is received into your SoFi Invest account to qualify. The match is calculated on each settled recurring deposit made via ACH and paid out in cash within five (5) business days. SoFi reserves the right to change or terminate this promotion at any time without notice. For complete eligibility and terms, please see the SoFi Plus terms.

⁹Appointments with financial planners: SoFi Plus members can schedule an unlimited number of appointments with a financial planner. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

SoFi members who do not meet the SoFi Plus eligibility criteria can schedule one (1) thirty-minute appointment with a financial planner.

Members can only schedule an unlimited number of appointments with a financial planner during periods in which the member meets the SoFi Plus eligibility criteria. The ability to schedule appointments is subject to financial planner availability. SoFi reserves the right to change or terminate this benefit at any time with or without notice. Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.

¹²IPO allocation priority: SoFi Plus members have the opportunity to receive preferred IPO allocations. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

A SoFi Plus membership is one of many factors used by Sofi Securities LLC to determine an investor’s allocation. Members who meet the SoFi Plus eligibility criteria may have an increased chance of receiving a larger percentage of their indication than those who are not enrolled. New offers (IPOs) generally have high demand and there are a limited number of shares available. Having a SoFi Plus membership does not guarantee that you will be allocated the number of shares you requested in your Indication of Interest (IOI) or any shares at all. For SoFi’s allocation procedures please refer to IPO Allocation Procedures.

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. This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation.

¹¹Savings APY: Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at SoFi.com/legal/banking-rate-sheet

¹³CNBC+ 40% discount: SoFi Plus members are eligible for a 40% discount on a $149.99 (plus applicable taxes and fees) one-year subscription to CNBC+, for a total of $89.99/year (plus applicable taxes and fees), subject to applicable terms and conditions (the “Offer”). For complete SoFi Plus eligibility, please see the SoFi Plus terms.

The discount can be applied by using the link in the marketing communication to subscribe to CNBC+. Discount applied at checkout. The link in this communication and the Offer are intended for active SoFi Plus members only and may not be transferred or shared.

Offer expires 02/15/27 at 11:59:59pm (U.S. Pacific Time). You are only eligible to redeem this offer if you are (i) a legal resident of the U.S., and (ii) 18 years and older (or the age of majority in your jurisdiction of residence, whichever is older). This Offer is not available to current CNBC+ subscribers. This Offer, your use of the CNBC+ service and your discounted subscription are subject to the CNBC Terms of Service, NBCUniversal’s Privacy Policy, and these promotional offer terms and conditions. Not valid with any other offers. No cash value, except as where required by law. Offer limited to one per customer and account.

This SoFi Plus benefit is provided by CNBC LLC, not by SoFi or its affiliates. CNBC LLC reserves the right to modify or cancel the Offer at any time and for any reason. Additional terms and conditions may apply. VOID WHERE PROHIBITED OR RESTRICTED BY LAW. ©2025 CNBC LLC. All Rights Reserved.

¹⁴10% Boost on Cash Back Rewards Points for SoFi Credit Card Purchases: SoFi Plus members are eligible for a 10% boost on cash back rewards rates for all eligible purchases made with a SoFi Credit Card (the “Promotion”). For complete SoFi Plus eligibility, please see the SoFi Plus terms.

A 10% boost means that a 10% multiplier shall be applied to existing cash back rewards rates (e.g., a purchase previously earning 100 rewards points would now earn 110 with the promotion). For purposes of calculating the 10% boost on cash back rewards points, each transaction shall be rounded to the nearest dollar, and fractional points shall be rounded to the nearest whole point. The 10% boost shall not apply to (i) transactions that are not eligible for cash back rewards points, including: fees or interest charges, balance transfers or cash advances, purchase of traveler’s checks or other cash equivalents, purchase or reloading of prepaid cards, or other quasi-cash transactions; or (ii) courtesy rewards points that are manually awarded. SoFi shall, in its sole discretion, determine whether a transaction is eligible to earn the 10% boost under this Promotion.

Members must enroll in SoFi Member Rewards to redeem rewards points, but not to be eligible for the Promotion. Rewards points are subject to the SoFi Member Rewards terms.

All new and existing SoFi Credit Card members who meet the SoFi Plus eligibility criteria during the Promotion Period are eligible for this Promotion. SoFi Smart Card accounts are excluded from this Promotion. Offer limited to one per SoFi Checking and Savings account. A SoFi Credit Card account will only benefit from the 10% boost under this Promotion if the primary SoFi Credit Card account holder is a SoFi Plus member. SoFi reserves the right to exclude any member from participating in this Promotion for any reason, including suspected fraud, misuse, or if suspicious activities are observed.

Promotion Period: The Promotion will begin on 4/1/24 at 1:00 PM ET. SoFi reserves the right to terminate or make changes to this Promotion at any time.

¹⁵SoFi Travel: Terms and conditions apply: This SoFi member benefit is provided by Expedia, not by SoFi or its affiliates. SoFi may be compensated by the benefit provider. Offers are subject to change and may have restrictions, please review the benefit provider’s terms: Travel Services Terms & Conditions.

The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx.

When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.

Eligibility:

• You must be a SoFi registered user.

• You must agree to SoFi’s privacy consent agreement.

• You must book the travel on SoFi’s Travel Portal reached directly through a link on the SoFi website or mobile application. Travel booked directly on Expedia’s website or app, or any other site operated or powered by Expedia is not eligible.

• You must pay using your SoFi Credit Card.

SoFi Member Rewards: All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: SoFi.com/rewards/.
Terms applicable to SoFi Member Rewards: SoFi.com/terms-of-use/#member-rewards.

Additional Terms:

• Changes to your bookings will affect the rewards points balance for the purchase.

• Any canceled bookings or fraud will cause rewards points to be rescinded.

• Rewards points can be delayed by up to 7 business days after a transaction posts on members’ SoFi Credit Card ledger.

• SoFi reserves the right to withhold rewards points for suspected fraud, misuse, or suspicious activities.

5% cash back rewards points on SoFi Travel (excluding air travel): SoFi Plus members can earn 5% cash back in rewards points on all bookings except air travel through SoFi Travel using any card (“Elevated Earn”). For complete SoFi Plus eligibility, please see the SoFi Plus terms.

Additionally, SoFi Plus members that use a SoFi Credit Card on all bookings except air travel will earn a 10% credit card cash back rewards rate boost, resulting in a total of 5.5% cash back rewards. Cash back rewards do not stack on top of other rewards associated with SoFi Credit Card or SoFi Plus. The 10% credit card cash back rewards rate boost does not apply to bookings made with a SoFi Smart Card.

All terms and conditions applicable to the use of SoFi Member Rewards apply. To learn more about SoFi Member Rewards, please see the Rewards page. Rewards points will be awarded within 60 days of travel completion. If you do not see your rewards points after 60 days of travel completion, please see our help center or contact us at 855-456-7634. Bookings made on air travel are not eligible for the Elevated Earn. When you elect to redeem rewards points toward active SoFi accounts, including but not limited to, your SoFi Checking and Savings account, SoFi Money® account, SoFi Active Invest account, SoFi Automated Invest account, SoFi Credit Card account, SoFi Personal Loan, Private Student Loan, Student Loan Refinance, or toward SoFi Travel purchases, your rewards points will redeem at a rate of 1 cent per every point. SoFi reserves the right to exclude any member from participating in SoFi Member Rewards for any reason, including suspected fraud, misuse, or if suspicious activities are observed. SoFi also reserves the right to stop or make changes to Elevated Earn at any time.

¹⁶2x rewards points on qualifying activities: SoFi Plus members can earn double the rewards points as stated in the “Ways to earn” section of the Membership & Rewards Center for qualifying earning activities. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

Members can only earn 2x rewards points for periods in which the member meets the SoFi Plus eligibility criteria. The qualifying earning activities exclude the following: Credit or Debit card spend paid in rewards points, welcome bonuses paid in rewards points (including any referral bonuses paid in rewards points), and select promotions with bonuses paid in rewards points. The specific number of rewards points is subject to change at any time and can be found in the “Ways to earn” section of the Membership & Rewards Center.

Members must enroll in SoFi Member Rewards to redeem rewards points, but not to be eligible for 2x rewards points. Rewards points are subject to the SoFi Member Rewards terms.

¹⁷Discount on SoFi home loan closing:

Home purchase or refinance mortgage discount: SoFi members are eligible for a one-time standard discount of $500 off the standard $1,495 origination fee for a SoFi Bank home purchase or refinance mortgage and SoFi Plus members are eligible for an additional one-time discount of $500 off the standard origination fee for a home purchase or refinance mortgage.

Home equity loan discount: SoFi members are eligible for a one-time standard discount on loans originated by SoFi Bank of $200 off the $1,295 origination fee for home equity loan. SoFi Plus members are eligible for an additional one-time discount of $200 off the origination fee for home equity loan. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

To be eligible for the standard SoFi member discount, you must be a registered SoFi member at the time the home loan application is approved (indicated as “final approval”), and the applicant must have a current or prior SoFi Personal Loan, Student Loan, SoFi Money, or SoFi Checking and Savings account with an account balance greater than $0, or be a SoFi Invest account holder with a balance greater than $10,000. SoFi may change or terminate this discount at any time.

The SoFi member and SoFi Plus Discounts described above are not available on loans where no origination fee is assessed, including all home loans in Texas and VA loans. And, the discounts are not available to any person who previously had a loan of the same type. Consult your tax advisor to determine if the discounts have any tax consequences.

¹⁸Private Parent Student Loan discount: SoFi Plus members are eligible for an interest rate reduction of 0.125% on a Private Parent Student Loan. To be eligible for the discount, you must meet the SoFi Plus eligibility criteria within 31 days of the funding of your loan. For complete SoFi Plus eligibility, please see the SoFi Plus terms. When you enroll in SoFi Plus, the discount will lower the interest rate that applies to your loan only during periods in which you are enrolled in SoFi Plus. The discount will be removed during periods in which SoFi determines you are not enrolled in SoFi Plus. To assure your monthly payment fully pays your loan in the loan term, SoFi will periodically re-amortize your loan and your monthly payment could change. This discount cannot be combined with the 0.125% rate discount offered for making an eligible direct deposit or qualifying deposits of $5,000 or more to a SoFi Checking and Savings account. To learn more about the direct deposit or qualifying deposits rate discount, please see terms here. SoFi reserves the right to change or terminate this offer for unenrolled participants at any time. You are not required to enroll in SoFi Plus to be eligible for Loan approval.

¹⁹Personal Loan discount: SoFi Plus members are eligible for an interest rate reduction of 0.25% on a Personal Loan. To be eligible for the discount, you must meet the SoFi Plus eligibility criteria within 31 days of the funding of your loan. For SoFi Plus eligibility, please see the SoFi Plus terms. The discount will lower the interest rate that applies to your loan only during periods in which you are enrolled in SoFi Plus. The discount will be removed during periods in which SoFi determines you are not enrolled in SoFi Plus. To assure your monthly payment fully pays your loan in the loan term, SoFi will periodically re-amortize your loan and your monthly payment could change. This discount cannot be combined with the 0.25% rate discount offered for making an eligible direct deposit or qualifying deposits of $5,000 or more to a SoFi Checking and Savings account. To learn more about the direct deposit or qualifying deposits rate discount, please see terms here. SoFi reserves the right to change or terminate this offer for unenrolled participants at any time. You are not required to enroll in SoFi Plus to be eligible for Loan approval.

²⁰Student Loan Refinance discount: SoFi Plus members are eligible for an interest rate reduction of 0.125% on a SoFi Bank Student Loan Refinancing. To be eligible for the discount, you must meet the SoFi Plus eligibility criteria within 31 days of the funding of your loan. For complete SoFi Plus eligibility, please see the SoFi Plus terms. When you enroll in SoFi Plus, the discount will lower the interest rate that applies to your loan only during periods in which you are enrolled in SoFi Plus. The discount will be removed during periods in which SoFi determines you are not enrolled in SoFi Plus. To assure your monthly payment fully pays your loan in the loan term, SoFi will periodically re-amortize your loan and your monthly payment could change. This discount cannot be combined with the 0.125% rate discount offered for making an eligible direct deposit or qualifying deposits of $5,000 or more to a SoFi Checking and Savings account. To learn more about the direct deposit or qualifying deposits rate discount, please see terms here. SoFi reserves the right to change or terminate this offer for unenrolled participants at any time. You are not required to enroll in SoFi Plus to be eligible for Loan approval.

²¹HelloPrivacy 50% discount: SoFi Plus members are eligible for a 50% discount on an annual subscription to HelloPrivacy’s Data Broker Monitoring and Removal service. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

The discount can be applied at checkout on the HelloPrivacy site using the discount code and link provided in the Membership & Rewards Center. The discount code is intended for SoFi Plus members only, and you are prohibited from sharing the code or link. Fees and taxes apply. Discount available to SoFi Plus members beginning 1/27/25. SoFi reserves the right to terminate or make changes to this discount at any time.

You must provide a valid payment method at checkout and the service will automatically renew at the discounted rate every year until you terminate the HelloPrivacy subscription. Your payment method will automatically be charged at the start of each subscription period for the fees and taxes applicable to that period. You must cancel your subscription before the renewal date to avoid future charges. Please see HelloPrivacy Terms of Service for complete terms and how to cancel, including calling HelloPrivacy at (646) 863-8226. You will be subject to HelloPrivacy’s Privacy Policy and Terms & Conditions.

All fees, content, and features are subject to change. This offer cannot be combined with any other offer.

This SoFi Plus benefit is provided by HelloPrivacy (dba BrandYourself), not by SoFi or its affiliates. Offers are subject to change and may have restrictions. Please review the benefit provider’s terms: HelloPrivacy Terms of Service.

²²$200 off any Trust plan: SoFi Plus members are eligible for a $200 discount on the initial purchase of a Trust. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

The discount can be applied by using the link provided in the Membership & Rewards Center. Discount applied at checkout. Cannot be combined with other offers or discounts. Subsequent upgrades aren’t eligible for discount. This offer begins on February 11, 2025. This offer may be terminated or changed at any time without notice.

This SoFi Plus benefit is provided by Trust & Will, not by SoFi or its affiliates. SoFi may be compensated by the benefit provider. Offers are subject to change and may have restrictions. Please review the benefit provider’s terms: Trust & Will Terms of Service.

²³20% off and more with TurboTax: Promotion provided and fulfilled by TurboTax. SoFi Plus members are eligible to receive 20% off TurboTax Federal filing when they sign up through the link provided by SoFi. For complete details regarding SoFi Plus, please see the SoFi Plus terms.

SoFi Plus members can receive 20% off a TurboTax Federal filing by clicking on the link in the marketing material you receive from SoFi and enrolling with TurboTax. The promotional discount will automatically be applied. If you enter another promotional code during sign-up or checkout, it may void this promotion. Only one promotional code can be used per SoFi Plus member. Promotional codes cannot be stacked. This offer is intended for SoFi Plus members only, and you are prohibited from sharing the link. Promotion valid through December 31, 2026 at 11:59 PM PT.

All rewards and amounts referenced in this offer are in U.S. dollars unless otherwise specified. Subject to applicable taxes and fees. Offers are subject to limited availability and may be discontinued at any time. TurboTax and SoFi reserve the right to modify or cancel this offer at any time without notice. This SoFi member benefit is provided and fulfilled by TurboTax, not by SoFi or its affiliates. Visit http://turbotax.intuit.com/lp/yoy/guarantees.jsp for TurboTax product guarantees and other important information. Limited time offer for TurboTax 2025. Discount applies to TurboTax federal products only. Actual prices are determined at the time of print or e-file and are subject to change without notice. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Subject to TurboTax’s Terms of Service.

²⁴Discounted Care.com subscription: SoFi Plus members are eligible to sign up for a discounted 12-month Premium Care.com Membership subscription for $99 when they sign up through the link provided by SoFi. For complete details regarding SoFi Plus, please see the SoFi Plus terms.

This offer is available to new Care.com users only. SoFi Plus members can sign up for a discounted 12-month Premium Care.com Membership subscription for $99 by clicking on the link in the marketing material you receive from SoFi and enrolling with Care.com. The promotional discount will automatically be applied. If you enter another promotional code during sign up or checkout, it may void this promotion. Only one promotional code can be used per SoFi Plus member. Promotional codes cannot be stacked. This offer is intended for SoFi Plus members only, and you are prohibited from sharing the link. Promotion valid through December 31, 2026 at 11:59 PM PT.

²⁵$50 Rakuten Welcome Bonus: SoFi Plus members are eligible for a $50 Rakuten Welcome Bonus. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

To be eligible for the $50 Welcome Bonus (provided by Rakuten), you must (i) be a SoFi Plus member and (ii) create a new Rakuten account by clicking on the link included in the marketing communications that you received directly from SoFi. The link included in the marketing communications is intended for SoFi Plus members only, and you are prohibited from sharing the link. Existing Rakuten members are not eligible for this promotion. Additionally, you are not permitted to create a Rakuten account with an email address already registered with Rakuten.

Upon creating a new Rakuten account, SoFi Plus members shall receive a one time $50 Welcome Bonus into their Rakuten account after making a Qualifying Purchase of $50 or more within 90 days of signing up to Rakuten. To be eligible for this promotion, you must be a resident of the 50 United States or Washington D.C. Residents of Puerto Rico and the U.S. Virgin Islands are not eligible. Not combinable with other Rakuten offers, including the Referral Welcome Bonus. Limit one (1) Welcome Bonus per customer. “Qualifying Purchase” means a purchase that earns Cash Back through Rakuten.com, the Rakuten App, or the Rakuten browser extension, as determined in the sole discretion of Rakuten. The Welcome Bonus will be added to your next Cash Back payment once the eligibility requirements are met. Offer is valid from April 28, 2025 until this promotion ends at the sole discretion of Rakuten.

Cash back provided by Rakuten, not SoFi. This SoFi Plus benefit is provided by Rakuten, not by SoFi or its affiliates. Offers are subject to change and may have restrictions. Please review the benefit provider’s terms: Rakuten Terms & Conditions.

²⁶SoFi Experiences exclusive live event access: SoFi Plus members or guests of SoFi Plus members are eligible to attend SoFi Member In-Person Experiences (a “”Member Experience””). For complete SoFi Plus eligibility, please see the SoFi Plus terms.

By signing up for a Member Experience, you acknowledge that SoFi may record or photograph the Member Experience (including you, your likeness and voice) and may use such recordings or photographs publicly or privately in any form of media, including for commercial purposes. By attending a Member Experience, you consent to the recording and photographing of such Member Experience and grant SoFi an unrestricted, perpetual, non-excluding, and sublicensable license, to take, use, display, perform, distribute or exploit for any lawful and commercial purpose any recordings or photographs. By attending a Member Experience, you also agree that you will make no monetary or other claim against SoFi for the use of the recordings or photographs. If you do not agree, please do not claim a ticket and do not attend the event. We believe our community should be truly open for everyone. As such, we are committing to providing a friendly, safe, and welcoming environment for all regardless of gender, sexual orientation, disability, race, ethnicity, national origin, age, or religion. View the SoFi Experiences Code of Conduct.

²⁷Vivid Seats 10% discount: Promotion provided and fulfilled by Vivid Seats. SoFi Plus members are eligible to save 10% on Vivid Seats’ inventory of live event tickets, up to a maximum discount of $50 per order, excluding any taxes, fees, or insurance products, as shown on the website. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

You will not need to enter a promo code at checkout. By clicking on the link in the marketing material you received from SoFi, a promo code will be automatically applied. If you enter another promo code at checkout, it will void the original discount. Only one promo code can be used per order. Promo codes cannot be stacked. The discount code is intended for SoFi Plus members only, and you are prohibited from sharing the code or link. Promotion valid through September 22, 2026 at 11:59 PM PT.

All prices, discounts, and minimum spend amounts referenced in this offer on vividseats.com and the Vivid Seats mobile app are in U.S. dollars unless otherwise specified. Subject to applicable taxes and fees. Prices may be higher or lower than face value. Inventory and listed ticket prices are subject to change at any time. Vivid Seats and SoFi reserve the right to modify or cancel this offer at any time. This SoFi Plus member benefit is provided and fulfilled by Vivid Seats, not by SoFi or its affiliates. Subject to Vivid Seats Terms of Use. Offers are subject to limited availability and may be discontinued at any time. If you have any questions, you can contact the Vivid Seats support team: https://www.vividseats.com/contact-us.

²⁸$20 reward on dining at Seated: Promotion provided and fulfilled by Seated. SoFi Plus members are eligible to receive a one-time $20 reward credit from Seated when they download the Seated app through the link provided by SoFi and complete their first eligible transaction. For complete details regarding SoFi Plus, please see the SoFi Plus terms.

This offer is available to new Seated users only. Members can earn a $20 Seated credit by completing all of the following actions: (i) click on the link in the marketing material you receive from SoFi and install the Seated app, (ii) link a payment card to Seated, and (iii) make a purchase from an Affiliated Establishment, as defined in Seated’s Terms of Service, using your linked card (the “Eligible Transaction”). Once all required actions have been completed, Seated will provide the $20 credit within two (2) to four (4) business days. The promotional code will automatically be applied to your account once you sign up with Seated. If you enter another promotional code during sign-up or checkout, it may void this promotion. Only one promotional code can be used per account. Promotional codes cannot be stacked. This offer is intended for SoFi members only, and you are prohibited from sharing the code or link. Promotion valid through December 31, 2026 at 11:59 PM PT.

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