Credit Compound

SoFi

The student-loan refinancer turned full nationally chartered bank. Its credit cards reward members for keeping money in the ecosystem, with cash back redeeming at full value into SoFi savings, investing or loan paydown. All card products are currently invitation-only.

Application Rules

  • ▸Cards are invitation-only: you must be a SoFi member opted into marketing emails to receive an offer
  • ▸Full 2% redemption value requires redeeming into a SoFi account
  • ▸Lineup is in flux around the new Smart Card and SoFi Plus subscription changes in 2026

Tracked SoFi Cards

Mastercard
SoFi Card
Personal · No AF
SoFi Credit CardSoFi

2% back into your SoFi accounts, if you can still get an invite.

Special bonusAF: $0Rating: 5.5/10
Full ReviewInvite Only