SoFi Credit Card: 2% Back, No Annual Fee, & More
- Annual fee
- None
- Recommended credit
- https://www.sofi.com/card/terms
- Card network
- Mastercard
- Regular purchase APR
- 17.99% to 29.99% variable based on creditworthiness and the Prime Rate
At a glance
The SoFi Credit Card is a cash back rewards card from fintech company, SoFi. The card, which features no annual fee and no foreign transaction fees, is designed to help consumers pay down debt quickly and effectively.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn 1% cash back on all eligible purchases. When you redeem it to pay down eligible debt, save, or invest with SoFi, you'll earn an additional 1% cash back
- Get a 1% lower APR when you make 12 on-time payments
- No annual fee
- Earn additional rewards when you spend with Lyft, ShopRunner, and Boxed
Who this card may suit
- You're an existing SoFi customer or are planning to become one
- You have debts you want to pay down at a reduced rate
- You have the desire to earn a lower rate with on-time payments
- You don’t want to pay an annual fee or foreign transfer fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 17.99% to 29.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 17.99% to 29.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 5% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 31.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each transfer, whichever is greater |
| Late Payment Penalty Fee | Up to $39 |
| Return Payment Penalty Fee | Up to $39 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness.
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SoFi Credit Card
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