EARN UP TO 3% CASH BACK REWARDS

Earn up to $400 when you get approved for the SoFi Credit Card. Earn $2002 when you fund an Invest account as well as a Checking and Savings account. Earn another $2003 when you spend $1,500 in your first 3 months.

Apply Now

SoFi Money® is a cash management account, which is a brokerage product, offered by SoFi Securities LLC. Member FINRA/SIPC. SoFi Securities LLC is an affiliate of SoFi Bank, N.A. SoFi Money Debit Card issued by The Bancorp Bank.    

† See Pricing Terms & Conditions. Lower your APR: Once a customer makes 12 monthly on-time payments, of at least the minimum payment due, on the SoFi Credit Card, SoFi will reduce the APR by 1% for so long as you continue to make such payments.

Accounts subject to additional credit approval. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. Your eligibility for a SoFi Credit Card Account or a subsequently offered product or service is subject to the final determination by The Bank of Missouri ("TBOM") ("Issuer"), as issuer, pursuant to license by Mastercard® International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Please allow up to 30 days from date of submission to process your application. The card offer reference in this communication is only available to the individuals who are at least 18 years of age (or of legal age in your state of residence), and who reside in the United States.

1 Cell Phone Insurance Protection, Mastercard ID Theft ProtectionTM, Lyft and Other Partner Rewards have additional terms and conditions, which can all be accessed through the World Elite Mastercard® Benfits portal. Please see your guide to benefits for details or call 1-800-MASTERCARD.

2Terms and conditions apply. This offer is non-transferable and only applies to consumers who receive this communication. To receive the $100 or $200 offer, you must first open a new SoFi Credit Card account starting 5/11/22. To receive the $100 offer, you must also open and fund either a SoFi Checking and Savings or a SoFi Active Invest account with at least $100 within 30 days of SoFi Credit Card account opening. Once all conditions have been met, you'll receive $100 in chosen account within 7-10 business days. To receive the $200 offer, you must also open and fund both a SoFi Checking and Savings and SoFi Active Invest account with at least $100 in each account within 30 days of SoFi Credit Card account opening. Once all conditions have been met, you'll receive $100 in both accounts within 7-10 business days. For SoFi Active Invest Accounts, IRAs and Automated Investing is excluded. This offer does not change your responsibility to make the minimum SoFi Credit Card monthly payment due. Your SoFi Credit Card account must be in good standing in order to receive these offers. Limit one offer per person. Offers may not be combined with any other offer. You will need to apply via Credit Karma or Mint to be eligible to receive the offer. SoFi reserves the right to modify or discontinue this offer at any time without notice.

3Offer ends 12/31/2022 at 11:59 pm PST. In order to receive the offer, you will need to (1) open a new SoFi Credit Card account between 1/24/2022 – 12/31/2022; (2) make at least $1,500 in purchases with your SoFi Credit Card within 90 days of being approved for the credit card. You will receive the 20,000 points within 45 days of making your first $1,500 in purchases. 20,000 points are worth $200 when redeemed into SoFi Money or SoFi Invest or to pay down a SoFi Personal, Private Student or Student Loan Refinance. 20,000 points are worth $100 when redeemed as statement credit to the SoFi Credit Card. This offer does not change your responsibility to make the minimum SoFi Credit Card monthly payment due. Your SoFi Credit Card account must be in good standing in order to receive these offers. Charges or transactions not eligible for this offer include: fees or interest charges, balance transfers or cash advances, purchase of traveler’s checks or other cash equivalents, and purchase or reloading of prepaid cards. Limit one offer per person. You will need to apply via this webpage to be eligible to receive the offer SoFi reserves the right to modify or discontinue this offer at any time without notice.

*Members earn 2 rewards points for every dollar spent on eligible purchases. If you elect to redeem points for cash deposited into your SoFi Checking or Savings account,  SoFi Money® account, fractional shares or cryptocurrency in your SoFi Active Invest account, or as a payment to your SoFi Personal, Private Student, or Student Loan Refinance, your points will redeem at a rate of 1 cent per every point. If you elect to redeem points as a statement credit to your SoFi Credit Card account, your points will redeem at a rate of 0.5 cents per every point. For more details please visit the Rewards page. Brokerage and Active investing products offered through SoFi Securities LLC, member FINRA/SIPC. SoFi Securities LLC is an affiliate of SoFi Bank, N.A. 

See Rewards Details

++Terms and conditions for the SoFi Credit Card 3% cash back offer 

You will need to maintain a qualifying Direct Deposit every month with SoFi Checking and Savings in order to continue to receive this promotional cash back rate. Qualifying Direct Deposits are defined as deposits from enrolled member’s employer, payroll, or benefits provider via ACH deposit. Deposits that are not from an employer (such as check deposits; P2P transfers such as from PayPal or Venmo, etc.; merchant transactions such as from PayPal, Stripe, Square, etc.; and bank ACH transfers not from employers) do not qualify for this promotion.  A maximum of 36,000 rewards points can be earned from this limited-time offer. After the promotional period ends or once you have earned the maximum points offered by this promotion, your cash back earning rate will revert back to 2%. 36,000 rewards points are worth $360 when redeemed into SoFi Checking and Savings, SoFi Money, SoFi Invest, Crypto, SoFi Personal Loan, SoFi Private Student Loan or Student Loan Refinance and are worth $180 when redeemed as a SoFi Credit Card statement credit.

Promotion Period: The Program will be available from 4/5/22 12:01AM ET to 12/31/22 11:59PM ET. SoFi reserves the right to exclude any Member from participating in the Program for any reason, including suspected fraud, misuse, or if suspicious activities are observed. SoFi also reserves the right to stop or make changes to the Program at any time.
 
Eligible Participants: All new members who apply and get approved for the SoFi Credit Card, open a SoFi Checking and Savings account, and set up Direct Deposit transactions (""Direct Deposit"") into their SoFi Checking and Savings account during the promotion period are eligible. All existing SoFi Credit Card members who set up Direct Deposit into a SoFi Checking & Savings account during the promotion period are eligible. All existing SoFi members who have already enrolled in Direct Deposit into a SoFi Checking & Savings account prior to the promotion period, and who apply and get approved for a SoFi Credit Card during the promotion period are eligible. Existing SoFi members who already have the SoFi Credit Card and previously set up Direct Deposit through SoFi Money or SoFi Checking & Savings are not eligible for this promotion.

SoFi Checking and Savings is offered through SoFi Bank, N.A.

You need a SoFi Invest® account and a SoFi Crypto account to redeem rewards points into cryptocurrency. A minimum balance of 1000 rewards points (worth $10) is required before you can redeem for cryptocurrency. 

^Rewards points, which in turn can be redeemed as cash rewards, are earned with every eligible purchase made with the SoFi Credit Card for a customer who is in good standing. No points will be earned with respect to reversed transactions, returned purchases, or other similar transactions. See Rewards Details for more information on eligible purchases. 

Brokerage and Active investing products offered through SoFi Securities LLC, member FINRA/SIPC.

SoFi Crypto is offered through SoFi Digital Assets, LLC 

For additional disclosures related to the SoFi Invest platforms described above, including state licensure of SoFi Digital Assets, LLC, please visit www.sofi.com/legal.

Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform. Information related to lending products contained herein should not be construed as an offer or pre-qualification for any loan product offered by SoFi Lending corp and/or its affiliates.

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Job Code: UB20220728CC-P1

Earn up to 3% cash back towards your financial goals

Earn 3%++ cash back rewards for a year when you set up direct deposit with SoFi. After that, earn 2%* unlimited cash back on purchases when redeemed toward investing, saving, or paying down an eligible loan with SoFi. Plus, redeem points toward crypto.

It pays off to pay on time.

Say goodbye to an annual fee. 

Save, invest, and pay down SoFi debt with the SoFi Credit Card.*

Apply Now

Rule 606 Order Routing 

Earn 3%++ cash back rewards for a year when you set up direct deposit with SoFi. After that, earn 2% unlimited cash back on purchases when redeemed toward investing, saving, or paying down an eligible loan with SoFi.

Make 12 monthly on-time payments, and we'll lower your APR by 1% It's that easy.

And say hello to a credit card that doesn't charge one.

Apply Now

EARN UP TO

3% CASH BACK REWARDS 

Earn up to $400 when you get approved for the SoFi Credit Card. Earn $2002 when you fund an Invest account as well as a Checking and Savings account. Earn another $2003 when you spend $1,500 in your first 3 months.

Earn up to 3% cash  back towards your financial goals

NO ANNUAL FEE

EARN up to $400

No minimum to redeem for cash back rewards

It pays off to pay on time.

Make 12 monthly on-time payments of at least the minimum payment due, and we'll lower your APR by 1% It's that easy.

Say goodbye to an annual fee. 

And say hello to a credit card that doesn't charge one.

Manage all your money, all-in-one-app.

The SoFi app makes it easy to automatically redeem your cash back rewards towards your eligible SoFi loans, saving, or investing each month

A credit card that can help you achieve your financial goals? Yep, it's true. Watch to learn how.

Get rewarded for spending on popular brands

Credit Card

$5 Lyft credit for every 3 rides taken in a month, once per month

Free annual membership  of $79.

          3-month free trial of DashPass for non-members + $5 discount on two orders each month for DashPass subscribers.

Built-in benefits for added protection and money management

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Set a budget for each month and get a notification when you are close to reaching your budget.

Smart spending and budgeting tools

No foreign transaction fees

Travel internationally without worrying about the fees.

Complimentary cell phone insurance coverage up to $1,000.

Mastercard ID theft protectionTM 1 

Protect your personal information by detecting potential fraud.

Investment Products:

ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

Investment Products: 

NO ANNUAL FEE

The SoFi app makes it easy to automatically redeem your cash back rewards towards your eligible SoFi loans, saving, or investing each month

Save, invest, and pay down SoFi debt with the SoFi Credit Card.*

Built-in benefits for added protection and money management

Set a budget for each month and get a notification when you are close to reaching your budget.

Travel internationally without worrying about the fees.

Complimentary cell phone insurance coverage up to $1,000.

Protect your personal information by detecting potential fraud.

No foreign transaction fees

Smart spending and budgeting tools

Mastercard ID theft protectionTM 1 

You'll earn 3% cash back rewards for a year on all purchases^ when you set up direct deposit into a SoFi Checking & Savings account - and can redeem it directly into crypto with your SoFi active invest account++

The first credit card that lets you cash in on crypto.

NEW!

The first credit card that lets you cash in on crypto.

SoFi will assess a fee for each crypto transaction outside of rewards redemption. For more information, visit SoFi.com/crypto

EARN up to $400

You'll earn 3% cash back rewards for a year on all purchases^ when you set up direct deposit into a SoFi Checking & Savings account - and can redeem it directly into crypto with your SoFi active invest account++

Once you apply and get approved for the SoFi Credit Card, not only can you tap to pay while you’re out making purchases—you can tap to play for a chance to win a welcome bonus between $10–$10K in rewards points.

Tap to play and win up to $10k.*

*Prizes distributed as SoFi Rewards Points. No purchase necessary to play or win. Terms and conditions apply.→

Apply now

Once you apply and get approved for the SoFi Credit Card, not only can you tap to pay while you’re out making purchases—you can tap to play for a chance to win a welcome bonus between $10–$10K in rewards points.

Tap to play and 

win up to $10k.*