Up to 2% back for SoFi members who redeem into a SoFi account.
Rates, fees and offers
- Regular APR
- Variable APR; see SoFi's card terms.
- Annual fee
- $0
- Promo offers
- None currently advertised
- Balance transfer fee
- See issuer terms
- Rewards
- Up to 2% cash back as SoFi rewards points on every purchase when redeemed into a SoFi account; 3% on SoFi Travel bookings.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
The full rate requires redeeming into SoFi. A rewards card for people who pay in full each month; carrying a balance at this APR costs more than the rewards earn.
Paying and contacting SoFi Bank
- Pay by mail
-
The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
See all SoFi Bank cards → · Search all cards
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