Credit Cards

SoFi Credit Card review: rates, pros, and cons

This credit card is designed for consumers who want to earn money on everyday purchases. Find out how the SoFi Credit Card works in this review post!


SoFi Credit Card: Enjoy up to 3% cash back rewards

SoFi Credit Card
SoFi Credit Card full review! Source: SoFi

We have a great option for you if you’re looking for a new credit card! This SoFi Credit Card review will show this card’s details and a few unique perks.

SoFi Credit Card

Learn how to apply for the SoFi Credit Card

No annual fee and 2% cash back rewards. Learn how to apply for the SoFi Credit Card and get your money market account today!

In addition, we’ll take a closer look at the rates, pros, and cons of this credit card. Also, we’ll help you decide if it’s the right fit for your needs! Keep reading to learn more!

Credit Score670 or more
Annual Fee$0
Regular APR*15.99% to 27.99% variable APR for purchases and balance transfers.

*Terms apply
Welcome bonusUp to $200 when funding an investing, checking, or savings account after approval and 3% cash back for one year
Rewards*2% cash back

*Terms apply.

All you need to know about the SoFi Credit Card

SoFi Credit Card is currently among the best rates in the market. Its standard features are the $0 annual fee and cash-back rewards.

It offers 3% cash back for a year when you set up a direct deposit into a SoFi checking or saving account. After that, cardholders get unlimited 2% cash back on purchases.

The cash back rewards never expire and can be redeemed as Bitcoin and Ethereum.

Equally important, customers can earn up to $200 when funding an Invest, checking, and savings account after getting approved for the SoFi Credit Card (terms apply).

SoFi Credit Card details

young blonde girl in blue sweatshirt
Learn the SoFi Credit Card details before applying! Source: Adobe Stock

SoFi credit card appears as a solid product for any eligible applicant. However, before applying for this card, it is decisive to compare the pros and cons.

This way, you can dive deep into its details and decide if it is worth it!


  • This card offers 2% unlimited cash back;
  • Charges no annual fee;
  • SoFi credit card charges no foreign transaction fees;
  • Enjoy cell phone protection;
  • Get Mastercard ID theft protection;
  • Enjoy world-elite Mastercard benefits.


  • No intro APR period;
  • Certain rewards might be limited to some customers.

What is the credit score necessary to apply?

SoFi requires a minimum credit score of 670 for its applicants. Since this card offers great benefits for cardholders, a good credit score is needed to qualify.

Also, remember that once approved, you can improve your credit history with your SoFi credit card.

Learn how to get the SoFi Credit Card

Applying for this product is simple! You can submit your application online and get a fast result!

To learn more about how to apply for it, read the next article. It will walk you through the application process.

SoFi Credit Card

Apply for the SoFi Credit Card: find out how

No annual fee and 2% cash back rewards. Learn how to apply for the SoFi Credit Card and get your money market account today!

About the author  /  Beatriz Vieira

Beatriz Vieira is a producer and copywriter who is part of the finance writer team in this portal. She has a degree in Journalism and aims to improve her bilingual writing skills. Her subjects of most significant interest are culture, finances, and self-development.

Trending Topics


LoanDepot Mortgage review: terms, rates, and more

Looking for a new mortgage? Read our LoanDepot Mortgage review to see if they are right for you. Ease of application and quick closing!

Keep Reading

Cheap Avelo Airlines flights: pay 50% less on flights

Explore the country with Avelo Airlines cheap flights! Get convenient direct flights to the most important destinations in the U.S.!

Keep Reading

Apply for the Capital One Platinum Secured Credit Card: find out how

Learn how to apply for the Capital One Platinum Secured Credit Card today! Qualify with bad credit and build your credit score!

Keep Reading

You may also like


Fixed-rate mortgage: what it is, pros and cons

Keep reading and learn what a fixed-rate mortgage is and whether it is the right option for you! We'll explain everything you need to know.

Keep Reading

Evergreen loans: how do they work?

Wondering what evergreen loans are? Look no further! We'll explain everything your need to know, including the pros and cons. Read on!

Keep Reading

Cheap American Airlines flights: get the best fares from $59.95!

Wondering where to find American Airlines cheap flights? Here are tips for finding the best deals and saving money. Enjoy reward programs.

Keep Reading