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.
1$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 3.30% 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.
2$10 subscription fee: Subscribers are billed every 30 calendar days based on the initial date of subscription.
3SoFi Plus APY Benefit: SoFi Savings is a tiered-rate account for SoFi Plus Subscribers. Earn 4.50% Annual Percentage Yield (APY) on up to $20,000 in one SoFi Savings account, and 3.30% APY on all other Savings balances with a paid SoFi Plus subscription. Promotional APY boost offers cannot be combined on balances earning a 4.50% APY. Rates are current as of 3/31/26. APY is variable and subject to change at any time. There is no minimum balance requirement. Fees may reduce earnings. Terms apply at https://www.sofi.com/terms-of-use/#sofi-plus. See additional rates and information at: www.sofi.com/legal/banking-rate-sheet/March312026. SoFi Bank, N.A. Member FDIC.
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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
1% Invest Match: Available to SoFi Plus members who make eligible cash deposits into taxable SoFi Invest accounts. You must be a SoFi Plus member at the time of deposit, remain a SoFi Plus member for one (1) year after the deposit settles, and keep the deposited funds in the account for five (5) years.
Canceling SoFi Plus within one year or withdrawing/transferring funds during the five-year holding period may result in forfeiture of some or all of the match. Other restrictions apply. Excludes internal transfers and ACAT transfers. Match may be taxable.
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1% Crypto Match: SoFi Plus members are eligible for a 1% match on crypto buys, earned as rewards points. For complete SoFi Plus eligibility, please see the SoFi Plus terms.
ELIGIBILITY:
This Promotion is open and available to SoFi Plus members who are legal residents of the fifty (50) United States and the District of Columbia and are at least eighteen (18) years of age or older as of time of promotion period. SoFi Plus status must be active through the end of the calendar month the eligible crypto buy was executed in to qualify for the 1% match.
HOW IT WORKS:
SoFi Plus members can earn a 1% match on Net Eligible Crypto Buys, subject to a lifetime aggregate Eligible Crypto Buy cap of $250,000 per member.
• Eligible Transactions: An “Eligible Crypto Buy” is a completed SoFi Crypto purchase transaction that (i) is funded directly from your Checkings and Savings account at SoFi Bank, N.A. and (ii) results in a successful purchase of Supported Digital Assets (excluding stablecoins or any cash-equivalent digital assets). “Supported Digital Assets” are those digital assets available for purchase on the SoFi Crypto platform, subject to the SoFi Crypto Account Agreement. For the avoidance of doubt:
○ Purchases funded from a source other than a SoFi Bank, N.A. Checking & Savings account, including incoming crypto transfers, do not qualify; and
○ Purchases of stablecoins or other cash equivalent digital assets do not qualify.
• Calculation: The 1% match means you can earn a reward equal to 1% of your Net Eligible Crypto Buys each month. To calculate your Net Eligible Crypto Buys, we: (1) add up the total U.S. dollar value of your Eligible Crypto Buys completed during the calendar month, and (2) subtract the U.S. dollar value of any cash or crypto you withdraw or transfer from your SoFi Crypto account during that same month. The remaining amount is considered your Net Eligible Crypto Buys, and the 1% reward is based on that number.
○ For example, if you buy $1,000 in eligible crypto during the month but withdraw $400 from your account, your Net Eligible Crypto Buys would be $600, and the 1% match would be calculated on that $600.
○ If your withdrawals are equal to or greater than your eligible purchases, your Net Eligible Crypto Buys will be zero or negative, and you would not earn a reward for that month.
○ There is a lifetime cap of $250,000 in Eligible Crypto Buys that can qualify for the 1% match. Once you reach that total amount of qualifying purchases, you will no longer earn additional match rewards on future crypto buys.
1% Match Calculation Examples
• Standard Buy and Hold
○ A SoFi Plus member executes $1,000 worth of crypto buys on 4/3/2026 and holds the digital assets on platform through 4/30/2026.
○ 1% Match: $10 in rewards points.
• Cash/Digital Asset Withdrawal
○ A SoFi Plus member executes $1,000 worth of crypto buys on 4/3/2026 and withdraws $500 (cash or digital asset withdrawal) before 4/30/2026.
○ 1% Match: $5 in rewards points – 1% of the remaining $500 net funded amount.
• Trading/Rebalancing Portfolio
○ A SoFi Plus member executes a $1,000 BTC crypto buy. Later, sells $500 of BTC to buy ETH. No withdrawals made and holds digital assets on platform through the end of the calendar month the buy was executed.
○ 1% Match: $10 in rewards points – 1% Match based on original net funding for crypto buys.
• Market Value Changes
○ A SoFi Plus member executes $1,000 worth of crypto buys. Market drops portfolio value to $800. No withdrawals made and digital assets held on platform through the end of the calendar month the buy was executed.
○ 1% Match: $10 in rewards points – Market performance does not affect 1% match payout.
• SoFi Plus Status Changes
○ A SoFi Plus member executes $1,000 worth of crypto buys on 4/3/2026, but loses SoFi Plus status on 4/27/2026.
○ 1% Match: $0 – Must maintain SoFi Plus status for the entirety of the month to receive the 1% match payout.
PAYOUT METHOD & TIMING:
The 1% Match payout will be paid out as rewards points within two (2) weeks of the end of the calendar month. The member must maintain an active SoFi Crypto account to receive the payout. Members must enroll in SoFi Member Rewards to redeem rewards points, but not to be eligible for the match. Rewards points are subject to the SoFi Member Rewards terms.
ADDITIONAL IMPORTANT TERMS:
• The SoFi Plus 1% Crypto Match Promo may be combined with other SoFi Crypto promos.
• The members’ account must be in good standing and not subject to restrictions.
• Promotion is non-transferable.
• SoFi reserves the right to exclude any members from participating in this Promotion for any reason, such as suspected fraud, misuse, or suspicious activity.
• If SoFi suspects that there may have been fraudulent activity and/or a violation of these Terms & Conditions in connection with the Offer, or a violation of the customer agreement, SoFi reserves the right to either decline to grant the Match, or to rescind the Offer. SoFi reserves the right to liquidate any digital assets to make up for any shortfall.
• SoFi also reserves the right to modify, suspend, or terminate the Promotion at any time without notice.
6Appointments 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.
72x 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.
8SoFi 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.
9$300 Estimated Value of a Financial Planner Meeting for SoFi Plus: The estimated value of a meeting with our financial planners is based on SoFi’s competitive assessment of similar offerings.