SoFi Smart Card
By Alex Compton · Last verified
Uncapped 5% at grocery stores on a secured card with no hard credit pull.
Welcome Bonus
None
No welcome offer; card is open to SoFi Checking and Savings members with no hard credit pull
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
No
credit check (secured by SoFi balance)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome offer; card is open to SoFi Checking and Savings members with no hard credit pull | SoFi Smart Card product page → |
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo welcome offer | Archive record · no attached snapshot |
| 2025-12 | $0 | No recorded spend | Earliest recordLaunch for new SoFi Plus members | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Smart Card is now marketed as a secured credit card for any SoFi Checking and Savings member, with no SoFi Plus requirement shown; unlimited 5% grocery, $0 fee and paid-in-full balance confirmed.
Fields: offerNote, benefits, cons, ourTake, applyUrl
SoFi Smart Card product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 5xGrocery storesUncapped; excludes superstores, warehouse clubs, delivery and meal kits
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No hard credit pull; spending limit equals your SoFi Checking and Savings balance
- ✦Secured by your SoFi Checking and Savings balance and paid in full each month
- ✦Built-in fraud protection and ATM access through SoFi
Why it earns its spot
- +Unlimited 5% on groceries beats every traditional grocery card
- +No credit check makes it accessible regardless of score
Where it costs you
- −Only open to SoFi Checking and Savings accountholders
- −Earns nothing outside the grocery category
- −Walmart, Target and Costco do not count as grocery stores
The Compound Verdict
This card is a banking hook: 5% uncapped at grocery stores is best in class, and SoFi no longer lists a paid SoFi Plus membership as a requirement, only a SoFi Checking and Savings account that secures the line. Worth it for grocery-heavy households willing to bank with SoFi, a pass for anyone who wants rewards outside the grocery aisle.
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