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: Aug 3, 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.
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
- Original美国旧金山
- 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.
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 Original每日不超过US$1,000；总额不超过US$5,000。同时受信用额度三成限制。 | 1,000 USD Original每日不超过US$1,000；总额不超过US$5,000。同时受信用额度三成限制。 | 1,000 USD Original每日不超过1000美元；总额不超过5000美元；同时受信用额度三成限制 |
| Card network |
Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Regions and China applicability
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
China applicability
The source text is retained below.
Original
1、中国大陆：不能使用大陆地址申请；美国居民持有的SoFi Mastercard可在大陆支持Mastercard的商户消费，也可绑定微信支付或支付宝，但须保留美国地址并接受跨境风控。
2、香港：不能凭本地身份和地址申请；美国持卡人可在香港Mastercard商户、酒店及线上平台消费，实际受商户预授权和账户风控影响
3、澳门：不具备本地申请资格；美国持卡人可在澳门接受Mastercard的商户使用，现金提取会按信用卡预借现金计费并立即计息
4、台湾：不能凭本地地址开卡；美国持卡人可在台湾Mastercard商户及线上平台消费，但须满足商户、3DS及账单地址审核规则
Updated: Aug 3, 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
User reviews
Showing 10 approved reviews matched to this card
Easy does it
I love having money at my fingertips
View original Over all I didn’t have any issues with…
Over all I didn’t have any issues with the bank until it came to reporting fraudulent activity. I liked all the bank offered but when I realized that someone hacked my account and sent money via the p2p option and reported it, I was not listened to. In fact I was essentially accused of lying. Why am I going to report fraudulent activity if it’s something I actually did? They denied my dispute, and closed my accounts. I’m mad. They failed to do an in depth investigation and provide adequate reason as to why they are denying my dispute.
View original Extremely easy process
View original Loan opportunity
When asking for a loan it was a very easy process and quick! The funds were in my bank account in less than a week!
View original SoFi: Bank, Investing & Crypto Google Play review - 1 star
I've been trying to get a card from them for MONTHS NOW they need to give me a card if they want me to give them money, is that so hard to ask???? Omg this is to stressful to deal with I'm out.
View original SoFi: Bank, Investing & Crypto Google Play review - 1 star
garbage , dont use them . hadnt a axcount for two years and still havent recieved a card. jus trash
View original At the beginning a great company but - not now
At the beginning a great company but in the last 6 months it's been truly terrible. Paying credit card bills even for at long standing banks like Wells Fargo takes over a week - so I just move money into another account and it gets paid in 24 hours. For a simple $31 check to my garbage service they screwed up sent multiple checks and voided all of them so I ended up paying a returned check fee, they took $31 out of checking but voided the check they issued and I payed out of another account. Despite many chats and letters they refuse to admit their mistake and have never given me back the money they took for a check they never paid or the returned check fee I had to pay. Their credit card is worse. They voided a credit for a cancelled reservation and though I should have had a credit they refused to apply it to my credit card. I have direct deposit and routinely I now get notices telling me I'm going to lose direct deposit benefits even though they just received a direct depsit. Obviously in the last year as they expanded their services they've hired the worst internet and programming staff. They are filled with mistakes and take money because of their awful programming and customer service. I have stopped using them for anything other than a bank that will give me access to a monthly SocSec deposit ahead of schedule. The day it drops I transfer all the money to another bank, like Schwab or USBank or UFB. They are more trustworthy and lest prone to mistakes and when they make a mistake they fix it right away. Sofi - not at all. They used to be great now - absolutely the worst. I used to tell people what a great bank - but I won't do that anymore.
View original I should have done this sooner!
I should have done this sooner!! The process was extremely easy! I did my application at 2 PM one afternoon & had the money in my bank account the next very next morning. I highly recommend SOFI to
View original Sofi made it easy to be approved
Sofi made it easy to be approved. Once approved I was given options on to pay an origination fee or pay a little higher interest rate. I was able to save 1/4% by choosing to have the payment drafted from my account. I also appreciated being able to receive the funds within 3 business days. Highly recommend Sofi for your financial needs.
View original SoFi: Bank, Investing & Crypto Google Play review - 2 star
The current version of the app is unusable. It crashes before I can do anything in it.
Official reply
View original Hi Skyler, we're sorry to hear about your experience with the app crashing. Rest assured, our team is working hard to ensure the app is running smoothly. In the meantime, try reinstalling the app, and ensuring your device is fully updated. For further help, please contact us at 855-456-7634!
Risk factors
Updated: Aug 3, 2026
No risk factors are available