New! PREMIUM MEMBERSHIP

America’s most rewarding financial membership—all in one app.1

The new SoFi Plus adds up extra savings, rewards, discounts, and more to unlock $1,000+ in value2 each year. Subscribe today.

The new SoFi Plus adds up extra savings, rewards, discounts, and more to unlock $1,000+ in value2 each year. Subscribe today.

Get SoFi Plus

Get SoFi Plus


1Based on a series of blinded surveys of financial memberships across banking, borrowing, investing, and credit cards. A nationally representative sample of 900 consumers were asked to rank offerings based on the question “Which financial membership brand is most rewarding?” Results as of January 2025. See SoFi.com/plus-survey for details.

2$1,000 value: See assumptions and details below, value is not guaranteed and varies depending on benefits used. Terms apply.

Compare top SoFi Plus benefits.

These easy-to-earn benefits are just the start of the $1,000+ in value that SoFi Plus subscribers unlock.

All your SoFi Plus benefits

3.80% APY on SoFi Bank savings3

NEW! 1% match on recurring invest deposits, paid in rewards points9

SoFi Invest®

Up to 3.3% cash back rewards on SoFi Credit Cards5

NEW! 3% cash back rewards on SoFi Travel hotels booked with any card10

2x rewards points on qualifying account activity6

NEW! Unlimited access to financial planners8

SoFi Wealth

NEW! $1,000 home mortgage discount11

Rate discount on new personal loans12

NEW! Rate discount on student loan refinancing13

Preferred IPO access14

SoFi Securities

NEW! 50% discount on Hello Privacy15

NEW! SoFi Plus Experiences7

See below for specific offer terms

So many ways to unlock $1,0002 from SoFi Plus…

Example

Mix and match to add up $1,000.

$220 in interest and $600 in cash back rewards

Save $6,000 and earn $220 in interest with our highest APY on SoFi Bank savings.
Spend $2,300 on your SoFi Credit Card each month and earn $600 in cash back rewards.
Meet with a financial planner, a $250 value.

Or find your own path! There are so many ways to save and earn with SoFi Plus, we can’t wait to see what you’ll do.

Get SoFi Plus

2$1,000 value: See assumptions and details below, value is not guaranteed and varies depending on benefits used. Terms apply.

The estimated value of a meeting with our financial planners is based on SoFi’s competitive assessment of similar offerings. See full terms below.

SoFi Plus members are eligible for a one-time discount on loans originated by SoFi Bank of $1,000 off the standard origination fee for home purchase or refinance mortgages. See full terms below.

Live sports, music, and more: SoFi Plus Experiences.7

SoFi Plus members get exclusive chances to enjoy top, live entertainment with SoFi Plus Experiences.

Get SoFi Plus

How will you join SoFi Plus?

Subscribe for just $10/month.16

• Includes all benefits in one monthly payment.

• No direct deposit or SoFi products needed.

Subscribe with direct deposit.

• Includes all benefits at no extra cost.

• Direct deposit to a SoFi Checking and Savings account required.

Get SoFi Plus