Available regions
Applications or normal card activation are supported
United StatesUS
- Evidence
- Officially supported
Card database / Mastercard / Crypto cashback credit card
S
SoFi Credit Card
Updated: Oct 7, 2026
The SoFi Credit Card is a series of personal consumer credit cards issued by SoFi Bank, N.A. to US residents. It currently includes the SoFi Unlimited 2% Credit Card, SoFi Everyday Cash Rewards Credit Card, and SoFi Essential Credit Card. Cardholders make purchases using a revolving credit line granted by the bank and can complete online, in-store, subscription, and cash advance transactions through the Mastercard acceptance network. Bills, rewards, card security, and repayments can be managed through the SoFi app.
- Card network
- Product type
- Crypto cashback credit card
- Card form
- Physical card
- Operating status
- Active
- KYC level
- Full KYC
- Commercial relationship
- No commercial relationship
- Risk score
- 90-99
- Supported assets
USDT
USDC
BTC
ETH
SOL'%20xlink:href='%23b'/%3e%3cuse%20fill='%23FFF'%20xlink:href='%23b'/%3e%3c/g%3e%3c/svg%3e)
ADA
DOGE
AVAX
DOT
LINK
MATIC
USD- Last updated
- Oct 7, 2026
Official and company information
Issuer identity and company credentials
SoFi (Social Finance, Inc.) is a fintech company headquartered in San Francisco, USA, founded in 2011. It started with student loan refinancing for Stanford graduates and has grown into a full-service digital financial platform.
Core services and business
SoFi operates a national bank called SoFi Bank, N.A., offering the following financial products:
Banking services: High-yield checking and savings accounts, and is an FDIC member bank.
Lending: Student loan refinancing, personal loans, and home mortgages.
Investing and wealth management: Individual retirement accounts (IRAs), brokerage accounts, and automated investing tools.
Insurance: Home and renters insurance.
- Company / issuer
- SoFi
- Legal name
- Social Finance, Inc
- Registered region
- United States (US)
- Headquarters
- San Francisco, United States
- Company type
- Fintech
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
SoFi Credit Card is a traditional fiat credit card and does not use crypto assets or stablecoins as its spending balance. Applicants must be US residents and undergo a credit review. Once approved, SoFi Bank, N.A. determines the credit limit based on income, debt, and credit history. SoFi Everyday Cash Rewards Credit Card is open for direct applications and focuses on rewards for dining and grocery spending. SoFi Unlimited 2% Credit Card provides a uniform spending reward, while SoFi Essential Credit Card focuses on basic credit functions and no penalty APR repricing. Unlimited 2% and Essential are currently available mainly by email invitation. All three cards can be added to Apple Pay, Google Pay, and Samsung Pay. The digital wallet can be used before the physical card arrives, and bills must be repaid in USD on time.
SoFi Credit Card is available only to US users. Applicants must be at least 18 years old or have reached the legal age in their state and must reside in the United States.
Mastercard card experienceRegional availabilityTerms may change
Notice: No additional notice is available.
Usage scale & trends
Usage data is not available for this card yet. It will appear here when available.
Card variants and fee differences
Compare verified fee records across card forms and tiers
Drag or swipe anywhere in the table to view every card; labels stay fixed
S SoFi Unlimited 2% Credit Card | S SoFi Everyday Cash Rewards Credit Card | S SoFi Essential Credit Card | |
|---|---|---|---|
| Card form | Physical card | Physical card | Physical card |
| Fees | |||
| Monthly fee | Free No monthly account fee | Free | Free No monthly account fee |
| Card issuance fee | Free No application or issuance fee | Free | Free No application or issuance fee |
| ATM fee | 5% Interest also accrues from the transaction date | 5% Interest also accrues from the transaction date. | 5% Interest also accrues from the transaction date |
| Foreign exchange fee | 0.2% Only Mastercard exchange fee applies | 0.2% Only Mastercard exchange fee applies. | 0.2% Only Mastercard exchange fee applies |
| Top-up fee | — | — | — |
| Failed transaction fee | — | — | — |
| Rewards | |||
| Cashback | 2% 2% on general purchases; 3% on SoFi Travel. No cap on eligible rewards. | 1% 3% on dining, 2% on groceries, 1% on other; 3% on SoFi Travel. Calculated by merchant category code. | 3% Cashback only on SoFi Travel purchases; no fixed cashback on regular purchases |
| Crypto cashback | — | — | — |
| Staking rewards | — | — | — |
| Staking APR | — | — | — |
| Welcome bonus | — | — | — |
| Referral bonus | — | — | — |
| Limits | |||
| Daily spending limit | 500 USD Subject to available credit limit on the account. Credit limit can be as low as US$500. | 500 USD Subject to available credit limit on the account. Credit limit can be as low as US$500. | 500 USD Subject to available credit limit on the account; credit limit can be as low as US$500 |
| Monthly spending limit | 0 USD Subject to available credit limit on the account. Managed according to account credit limit. | 0 USD Subject to available credit limit on the account. Managed according to account credit limit. | 0 USD Subject to available credit limit on the account; managed according to account credit limit |
| ATM withdrawal limit | 1,000 USD Daily limit of US$1,000; total limit of US$5,000. Also subject to a 30% credit limit restriction. | 1,000 USD Daily limit of US$1,000; total limit of US$5,000. Also subject to a 30% credit limit restriction. | 1,000 USD Daily limit of USD 1,000; total limit of USD 5,000; also subject to a cap of 30% of the credit limit. |
| Card network |
Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Regions and language support
Application status based on public sources, official policy, and user reports. This is not application advice.
Unsupported or restricted regions
Applications or features are unavailable or restricted
Burkina FasoBFSenegalSNSouth SudanSSLuxembourgLUNepalNPSurinameSRZambiaZMTanzaniaTZGambiaGMBrazilBRAndorraADGuatemalaGTBoliviaBOCzechiaCZRwandaRWNetherlandsNLTajikistanTJIrelandIEEl SalvadorSVSwitzerlandCHBeninBJBruneiBNPortugalPTUzbekistanUZCongo - BrazzavilleCGEcuadorECTürkiyeTRHungaryHUMozambiqueMZMoroccoMATurkmenistanTMChadTDUruguayUYPanamaPAMalawiMWGuineaGNCentral African RepublicCFGermanyDEBarbadosBBHong KongHKGreeceGRMadagascarMGAlgeriaDZKiribatiKITimor-LesteTLUnited KingdomGBBhutanBTSwedenSEFranceFRHondurasHNPeruPEAustraliaAUAlbaniaALMontenegroMENigerNEColombiaCOSomaliaSONamibiaNAParaguayPYIranIRCosta RicaCRBelarusBYSloveniaSIMaldivesMVSudanSDNorwayNONorth KoreaKPNauruNRMauritaniaMRLatviaLVZimbabweZWIsraelILItalyITLiberiaLRSerbiaRSPalauPWTongaTORomaniaROGeorgiaGETrinidad & TobagoTTNew ZealandNZAmerican SamoaASBahrainBHSyriaSYAustriaATLibyaLYJordanJOJapanJPCongo - KinshasaCDSolomon IslandsSBBotswanaBWBurundiBIBosnia & HerzegovinaBAAngolaAOIcelandISTunisiaTNJamaicaJMKuwaitKWDjiboutiDJAntigua & BarbudaAGChileCLMexicoMXLiechtensteinLISlovakiaSKEritreaERDominicaDMGrenadaGDFijiFJDominican RepublicDOMauritiusMUYemenYECyprusCYSingaporeSGAzerbaijanAZSri LankaLKMicronesiaFMComorosKMBelizeBZVenezuelaVESpainESThailandTHSt. Kitts & NevisKNMoldovaMDVietnamVNMaltaMTVanuatuVUCape VerdeCVNorthern Mariana IslandsMPNicaraguaNILebanonLBIraqIQKazakhstanKZSaudi ArabiaSAFinlandFIMyanmar (Burma)MMCanadaCAGuamGUTuvaluTVPapua New GuineaPGSouth KoreaKREstoniaEECameroonCMLithuaniaLTArmeniaAMTogoTGPhilippinesPHIndonesiaIDNigeriaNGBulgariaBGIndiaINBelgiumBECroatiaHRLaosLAEthiopiaETPuerto RicoPRU.S. Virgin IslandsVICambodiaKHSt. LuciaLCMalaysiaMYChinaCNBangladeshBDDenmarkDKEswatiniSZLesothoLSNorth MacedoniaMKQatarQACôte d’IvoireCISeychellesSCSouth AfricaZAHaitiHTPakistanPKSt. Vincent & GrenadinesVCGhanaGHKyrgyzstanKGSierra LeoneSLBahamasBSMaliMLMarshall IslandsMHOmanOMEgyptEGRussiaRUUnited Arab EmiratesAEMongoliaMNCubaCUUkraineUAArgentinaARUgandaUGSamoaWSGuyanaGYPolandPLMacaoMOGuinea-BissauGWTaiwanTWKenyaKE
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
Availability in English-Speaking Markets
1. United States：Can apply，Can use，Applicants must reside in the United States, provide a permanent U.S. residential address and SSN or ITIN, and complete SoFi’s required identity verification.
2. United Kingdom：Cannot apply，Can use，SoFi Credit Cards are issued only to U.S. residents, but cards already issued to eligible U.S. residents can be used for purchases in the United Kingdom.
3. Canada：Cannot apply，Can use，Canadian residents are outside SoFi’s U.S.-only card issuance program, but an eligible card issued in the United States can be used in Canada.
4. Australia：Cannot apply，Can use，Australian residents cannot apply because SoFi requires U.S. residence, while cards issued to eligible U.S. residents can still be used in Australia.
5. South Africa：Cannot apply，Can use，South African residents are not eligible for SoFi’s U.S.-only card program, but eligible U.S.-issued cards can be used locally.
6. New Zealand：Cannot apply，Can use，New Zealand residents cannot obtain the card because issuance is limited to U.S. residents, while eligible U.S.-issued cards can be used in New Zealand.
7. Ireland：Cannot apply，Can use，Irish residents are outside the card’s U.S.-only issuance eligibility, but cards issued to eligible U.S. residents can still be used in Ireland.
Updated: Sep 15, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
NoNot requiredAccepted documents
US driver's license / US passport / US permanent resident card / US government-issued ID / Qualifying visa and immigration documents
Review time / regional limits
Electronic verification can be completed within minutes; additional documents or manual credit review may take up to 30 days.
KYC provider
Socure
Updated
Aug 3, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedAug 3, 2026
Wallet payments
Alipay
Supported
Aug 3, 2026
Wallet payments
Apple Pay
Supported
Jul 20, 2026
Cash services
ATM withdrawal
Supported
Jul 20, 2026
AI tools
ChatGPT
Supported
Jul 20, 2026
AI tools
Claude
Supported
Jul 20, 2026
Wallet payments
Google Pay
Supported
Jul 20, 2026
AI tools
Midjourney
Supported
Jul 20, 2026
In-person payments
Offline POS
Supported
Jul 20, 2026
Online shopping
Online shopping
Supported
Jun 12, 2026
Wallet payments
PayPal
Supported
Jul 20, 2026
Subscriptions
Subscription payment
Supported
Jul 20, 2026
Wallet payments
WeChat Pay
Supported
Aug 3, 2026
Review
Read the editorial review, its verdict and latest update.
No review yet
No review has been published for this card. Published reviews appear here.
User reviews
Showing 10 approved reviews matched to this card
SoFi: Bank, Invest & Crypto Google Play review - 1 star
Somehow in 2026 we're back to major bank apps just not working on mainstream high end phones. Wow
View original SoFi: Bank, Invest & Crypto Google Play review - 1 star
I would give this 5 stars because the approval is easy and you get your loan fast. The problem is they email me multiple times a day to refinance my student loans, I do not have student loans. Normally I would just block the sender but I do not want to miss updates to my account. People do not want to be bothered 3 times a day with the same emails everyday. As a business model you may want to scale those emails to once a month. If you send everyday it just becomes noise and people ignore them.
View original SoFi: Bank, Invest & Crypto Google Play review - 1 star
issues with sofi account stating $ is fully available and ready to use.. then after a couple of days my account is negative because they lied about my $ being fully available and ready to use . saying it was returned! if so. then don't make it available until you get a confirmation saying the transfer is completed from my external bank!
View original SoFi: Bank, Invest & Crypto Google Play review - 1 star
I'm trying to deposit a check. I get the message to download the app while I'm in the app.
Official reply
View original We're sorry you're dealing with this — we know how frustrating it is when the app isn't working as it should. We recommend updating to the latest version first. If this doesn't fix the issue, please give us a call at 855-456-7634, and we'll get it sorted together.
SoFi: Bank, Invest & Crypto Google Play review - 5 star
Whoa Never Have a Before This So Much Better Do Now 😉
View original SoFi: Bank, Invest & Crypto Google Play review - 1 star
it is fine until you want to buy a car or make a big purchase. Then it just declines your transactions, puts limits on zelle, and charges for wires. You would think online banking wouldn't charge to send people money
Official reply
View original Hey Jayce, we hear you and understand the frustration. We'd like to look into this for you. An account manager will be reaching out to help sort this out.
SoFi: Bank, Invest & Crypto Google Play review - 1 star
anytime I have an issue and call and actually talk to people they cannot answer any of the questions
Official reply
View original Hi Jenifer. We're so sorry about your recent experience with our phone support. We'd love to have an Account Manager assist you directly with your concerns. Please reach them via chat using this link: https://sofi.app.link/e/echat. We hope to hear from you soon.
SoFi: Bank, Invest & Crypto Google Play review - 1 star
Every since this update, app crashes. Even after clearing cache, data and uninstalling and reinstalling 4 times. Prior to this, the app was a solid 4.5 minimum.
Official reply
View original Hi Phil, we’re sorry to hear about your experience following the recent app update. We understand how frustrating it is to deal with persistent crashes, especially after reinstalling and clearing data, but rest assured, our team is actively working on a fix! For further help and troubleshooting, please contact us at 855-456-7634.
SoFi: Bank, Invest & Crypto Google Play review - 1 star
trash service. can't login takes forever to get to customer service. it's a joke company
View original SoFi: Bank, Invest & Crypto Google Play review - 5 star
TOO EASY!!!! I feel like an overnight billionaire.
View original Risk factors
Updated: Aug 3, 2026
No risk factors are available
Frequently asked questions
Answers drawn from the published record on this page.
Does SoFi Credit Card require KYC?
Our record lists the SoFi Credit Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.
Does SoFi Credit Card support Apple Pay and Google Pay?
Apple Pay: Supported. Google Pay: Supported.
Which assets can I top up SoFi Credit Card with?
Our record lists SoFi Credit Card support for: USDT, USDC, BTC, ETH, SOL, ADA, DOGE, and AVAX (12 in total).
Is SoFi Credit Card a virtual or a physical card?
SoFi Credit Card is offered as: Physical card.
Where is SoFi Credit Card available?
Our record lists 1 countries or regions as available and 194 as restricted. Country-by-country status is in the regions section of this page.
Who issues SoFi Credit Card?
SoFi Credit Card is operated by SoFi on the Mastercard network.