SoFi Credit Card – Review
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"A card to help you pay down your debt"
Earn 2% unlimited cash-back when you redeem it to save invest, or pay down an eligible SoFi loan - all without an annual fee.
SoFi Credit Card - Snapshot
- Welcome Bonus & Info (Partner Content)
- Earn 2% unlimited cash back on eligible purchases when redeemed towards investing, saving, or paying down an eligible loan with SoFi.*
- When you make 12 on-time payments, we'll lower your APR by 1%.†
- No annual fee.†
- No foreign transaction fees
- Cell phone protection (insurance coverage up to $1,000)**
- Mastercard ID Theft Protection™**
- $10 Lyft credit when you take 5 rides per month**
- * See offer details: www.sofi.com/card/rewards
- † See terms and conditions: www.sofi.com/card/terms
- ** Cell Phone Insurance Protection, Mastercard ID Theft Protection™, Lyft and Other Partner Rewards have additional terms and conditions, which can all be accessed through the World Elite Mastercard® Benefits portal. Please see the guide to benefits for details or call 1-800-MASTERCARD.
- Card Categories:
SoFi Credit Card - Fees
- Annual Fee
- $0
- Foreign Transaction Fees$0
- Interest Rates
- 12.99%-24.99% Variable APR
- Late fees
- Up to $39
- Balance Transfers
- 12.99%-24.99% Variable APR
- Fee: The greater of $10 or 5% of each balance transfer
- Cash Advance APR
- 26.99% Variable
- Fee: The greater of $10 or 5% of each cash advance
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