The SoFi Credit Card is more than just a credit card—it’s a powerful financial tool that helps you earn unlimited rewards while paying down debt, investing, and saving. Whether you’re looking for a way to maximize your cash back, reduce your student loans, or grow your wealth, this card seamlessly integrates into your SoFi ecosystem, making it one of the most rewarding and flexible credit cards available today.
Beyond its unlimited 2% cash-back rewards, the SoFi Credit Card offers low interest rates, a generous welcome bonus, and the ability to redeem rewards for SoFi investments, loan payments, and savings. Plus, with no foreign transaction fees, world-class security protections, and seamless digital banking integration, this card provides exceptional value and convenience. If you’re looking for a credit card that goes beyond traditional rewards and helps you build real wealth, the SoFi Credit Card is the perfect fit!
Outstanding Benefits of the SoFi Credit Card
Unlimited 2% Cash Back on Every Purchase
With the SoFi Credit Card, you’ll earn unlimited 2% cash back on all purchases when you redeem your rewards toward SoFi loan payments, investments, savings, or direct deposits. There are no rotating categories or spending limits, ensuring that every dollar you spend earns maximum rewards.
No Annual Fee – Keep More of Your Rewards
Unlike many premium rewards cards, the SoFi Credit Card charges no annual fee, meaning you get all of the benefits without extra costs. Whether you use your rewards to invest, pay off loans, or save, this card ensures you keep every penny you earn.
Pay Off Debt Faster with SoFi Loan Redemptions
One of the most unique features of the SoFi Credit Card is the ability to use your rewards to pay off SoFi student loans, personal loans, or mortgages. By applying your cash back directly to your loan balances, you can reduce debt faster and save on interest over time.
Invest in Stocks or Crypto with Your Rewards
With SoFi’s investment platform, you can turn your rewards into wealth by investing in stocks, ETFs, or even cryptocurrencies. Whether you’re building your portfolio or experimenting with crypto, your SoFi rewards help you grow your financial future effortlessly.
Up to $1,000 in Cell Phone Protection
When you pay your monthly phone bill with the SoFi Credit Card, you’re covered with up to $1,000 in cell phone protection against theft or damage. This built-in perk saves you money on repairs or replacements and provides peace of mind for your most essential device.
No Foreign Transaction Fees – Travel Without Extra Costs
Take your SoFi Credit Card anywhere in the world without worrying about extra charges. With no foreign transaction fees, you can shop, dine, and travel internationally without paying extra for currency conversions.
Exclusive SoFi Member Benefits
As a SoFi Credit Cardholder, you gain access to exclusive financial tools, career coaching, member events, and special SoFi promotions. This card is designed to be more than just a rewards card—it’s a gateway to financial growth and support.
Autopilot Feature for Effortless Investing
With SoFi’s automated investing options, you can set up your cash-back rewards to be automatically invested in stocks, ETFs, or a savings account. This feature makes it easy to build wealth without thinking about it.
Contactless Payments & Digital Wallet Integration
Enjoy the speed and security of contactless payments, or link your card to Apple Pay®, Google Pay™, and Samsung Pay for fast, secure mobile transactions anywhere you go.
Visa Signature Benefits for Travel & Shopping
As a Visa Signature card, the SoFi Credit Card comes with premium perks, including travel protections, rental car insurance, purchase security, extended warranties, and concierge services, adding even more value to your everyday spending.
Who Can Apply for the SoFi Credit Card?
To qualify for the SoFi Credit Card, applicants must meet the following criteria:
- Be at least 18 years old (or the age of majority in your state)
- Have a valid Social Security Number or ITIN
- Possess a U.S. mailing address
- Have a good to excellent credit score (typically 670 or higher)
- Meet SoFi’s income and creditworthiness requirements
This card is perfect for individuals looking to maximize their rewards, reduce debt, and invest in their financial future.
How to Apply for the SoFi Credit Card
Applying for the SoFi Credit Card is simple and fast. Follow these steps:
- Visit the official website
- Click “Apply Now” – Start your application directly on SoFi’s website
- Fill out the online application – Provide your personal and financial details, including income and employment information
- Review and submit your application – Double-check your information before submitting
- Receive an instant decision – Many applicants receive an approval decision within minutes
Apply today and start earning cash back that works for your financial future!
