SoFi Credit Card
No fee
SoFi
SoFi Credit Card
4.1
(2,345 reviews)cryptocashback
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026SoFi's fintech credit card offers an impressive 2% unlimited cashback when you redeem into a SoFi checking/savings account or invest it (including crypto). No annual fee, no FTF, no late fees, and no BT fees — the fee structure is the cleanest in the market. You can buy crypto directly with your rewards.
Annual Fee
No annual fee
Purchase APR
18.49% – 27.49%
Rewards
2% base rate
Sign-Up Bonus
None
Credit Score
Good (670-749)
Foreign Txn Fee
None
Who Should Get This Card
The SoFi Credit Card is best suited for established credit users who sofi members who want 2% everywhere with crypto redemption. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- 2% unlimited cashback
- Zero fees across the board
- Redeem into crypto/investing
- SoFi members who want 2% everywhere with crypto redemption
Consider another card if you…
- 2% requires SoFi ecosystem
- No sign-up bonus
- 1% if redeeming elsewhere
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 18.49% – 27.49% |
| Balance Transfer Fee | None |
| Foreign Transaction Fee | None |
| Late Fee | Up to $0 |
Pros & Cons
2% unlimited cashback
Zero fees across the board
Redeem into crypto/investing
Cell phone protection
2% requires SoFi ecosystem
No sign-up bonus
1% if redeeming elsewhere
Mastercard acceptance gaps
The Bottom Line
The Good: The SoFi Credit Card stands out for its 2% unlimited cashback. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: 2% requires SoFi ecosystem.
Our Verdict: The SoFi Credit Card scores 7/10 — a solid option for sofi members who want 2% everywhere with crypto redemption. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the SoFi Credit Card?▾
The SoFi Credit Card has no annual fee — you'll never be charged just for keeping the card open.
How do the rewards work on the SoFi Credit Card?▾
The SoFi Credit Card earns 2% on all purchases. Rewards are earned as cash back credited to your statement.
What credit score do I need for the SoFi Credit Card?▾
The SoFi Credit Card is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the SoFi Credit Card charge a foreign transaction fee?▾
No — the SoFi Credit Card has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the SoFi Credit Card?▾
The SoFi Credit Card has a variable purchase APR of 18.49% – 27.49%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the SoFi Credit Card best for?▾
The SoFi Credit Card is best for SoFi members who want 2% everywhere with crypto redemption. A key advantage: 2% unlimited cashback.
Customer Reviews
4.1
2,345 reviews
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Industry Ratings
4.2/5 avg
NerdWallet
4.3
Forbes
4
Ratings from independent review sites. CardCompare is not affiliated with these sources.