MastercardSoFi Credit Card
2% back into your SoFi accounts, if you can still get an invite.
Welcome Bonus
Invite
No welcome offer, card is invitation-only for existing SoFi members
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
680+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 2xAll purchases (redeemed into SoFi bank, invest or loan accounts)
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Rewards redeem at full value into SoFi savings, investing or loan paydown
- ✦Cell phone protection
- ✦No foreign transaction fees
Why it earns its spot
- +Clean 2% when redeemed into the SoFi ecosystem
- +Rewards toward loan paydown is a nice touch
Where it costs you
- −Closed to public applications, invitation-only via email offers
- −Some legacy holders were hit with a $10 monthly fee in 2026
- −Redemption outside SoFi accounts is worth less
The Compound Verdict
Once a solid 2% card for SoFi loyalists, now effectively unobtainable: applications are invitation-only and SoFi has been reshuffling its card lineup around the new Smart Card. If you do not already hold it, plenty of open 2% cards do the same job without the drama.
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