New! Credit Card

It’s here—the new SoFi Essential Credit Card with no surprise fees.

Finally, a credit card that has your back. Wave goodbye to overlimit fees, returned payment fees, and annual fees^†—and say hello to enhanced fraud protection.¹ This card is currently invitation only—if you got a mail offer, click below to get started.

Respond to mail offer^†︎See Pricing, Terms & Conditions
^*See Rewards Details

Benefits that
have your back.

No surprise fees
Forget overlimit fees, returned payment fees, and foreign transaction fees.
No annual fee^†
That’s right, you won’t have to worry about getting dinged every year just for having a card.
Enhanced fraud protection¹
Rest assured with our Zero Liability Fraud Protection for an extra layer of security.

More reasons you can rely on the SoFi Essential Credit Card.

No penalty repricing

Your APR^† won’t increase for making a late payment.

SoFi Travel rewards²

Earn unlimited 3% cash back rewards when you book through SoFi Travel.

Track your finances

Set and monitor spending targets, and track your credit score—at no cost.

Mastercard benefits¹

Enjoy Priceless Experiences, Airport Concierge, and more.

Resources to help you
conquer the wild world of credit cards.

Tips for Building Credit With a Credit Card

Tips for Using a Credit Card Responsibly

19 Common Credit Card Mistakes and Tips for Avoiding Them

Tips for Building Credit With a Credit Card

See more articles

FAQs

The SoFi Essential Credit Card is currently invite only. Check your mailbox, both physical or digital, to see if we have an offer for you. If you have a physical mailer from us, head on over to https://www.sofi.com/MyEssential and enter your unique reservation code to begin your application.

At SoFi, the protection of our members is of the utmost importance. Click here to learn more about how we protect you against identity theft and fraud.

We currently do not have a referral program for the SoFi Essential Credit Card, but check back with us - we will let you know when we do.

Unfortunately, we currently only allow for one SoFi Credit Card per member - if you already have a SoFi Credit Card, your application for the SoFi Essential Card will be not be approved.

Accounts subject to additional credit approval. To qualify for approval, you must meet SoFi’s pre-established underwriting requirements, including verification of sufficient income to support your ability to pay. We will not extend you credit if you do not meet our pre-established criteria. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. If approved for a SoFi Credit Card, your credit access line will be at least $500. Your eligibility for a SoFi Credit Card Account or a subsequently offered product or service is subject to the final determination by SoFi Bank, N.A., 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 referenced in this communication is only available to 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.

^†See Pricing, Terms & Conditions

Members can earn 3% cash back Rewards Points for for every dollar spent for SoFi Travel purchases. No rewards points will be earned with respect to reversed transactions, returned purchases, or other similar transactions. When you elect to redeem rewards points toward active SoFi accounts, including but not limited to, your SoFi Checking or Savings account, SoFi Money® account, SoFi Active Invest account, SoFi Credit Card account, SoFi Personal Loan, Private Student Loan, Student Loan Refinance, or toward SoFi Travel purchases, your rewards points will redeem at a rate of 1 cent per every point. For more details, please visit www.sofi.com/card/rewards?cardType=a. Brokerage and Active investing products offered through SoFi Securities LLC, member FINRA/SIPC. SoFi Securities LLC is an affiliate of SoFi Bank, N.A.

^*Rewards points, which in turn can be redeemed as cash rewards, are earned with every eligible purchase made with the SoFi Essential 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 at www.sofi.com/card/rewards?cardType=a for more information on eligible purchases.

¹Certain Mastercard® Benefits have additional terms and conditions, which can be accessed through the Mastercard® Benefits portal. Please see your guide to benefits for details or call 1-800-MASTERCARD.

²Terms, and conditions apply: The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx

When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings

Eligibility:
You must be a SoFi registered user.
You must agree to SoFi’s privacy consent agreement.
You must book the travel on SoFi’s Travel Portal reached directly through a link on the SoFi website or mobile application. Travel booked directly on Expedia’s website or app, or any other site operated or powered by Expedia is not eligible.
You must pay using your SoFi Credit Card.

SoFi Member Rewards: All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: https://www.sofi.com/rewards/ Terms applicable to Member Rewards: https://www.sofi.com/terms-of-use/#rewards

Additional Terms:
Changes to your bookings will affect the Rewards balance for the purchase.
Any canceled bookings or fraud will cause Rewards to be rescinded.
Rewards can be delayed by up to 7 business days after a transaction posts on Members’ SoFi Credit Card ledger.
SoFi reserves the right to withhold Rewards points for suspected fraud, misuse, or suspicious activities.

©2024 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org).

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery, or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

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