Managing your finances doesn’t have to feel like a constant juggling act. With the right credit card, everyday spending can become a strategic step toward something bigger whether that’s paying off debt, investing in your future, or simply staying ahead of your bills with confidence. That’s where the SoFi Unlimited 2% Credit Card steps in not just as a payment tool, but as a partner in your financial journey.
Instead of overwhelming you with rotating categories, fine print, or hidden fees, this card focuses on what truly matters: helping you make progress. It’s built for modern lifestyles and long-term goals, combining ease of use with financial empowerment. If you’re ready to turn your daily purchases into lasting rewards, this card may be exactly what you’ve been looking for.
SoFi Unlimited 2%
No annual fee Unlimited 2% cash back rewardsMain Benefits of the SoFi Unlimited 2% Card
- Unlimited 2% Cash Back on every purchase when rewards are redeemed toward eligible SoFi products such as savings, investing, student loans, or personal loans.
- No Annual Fee, ever—maximize your rewards without worrying about ongoing card costs.
- Redeem Toward What Matters Most: Use your cash back to make progress on debt, build your savings, or grow your investment account.
- Extra Perks with Direct Deposit: Setting up direct deposit with SoFi gives you access to additional features and better flexibility in how you manage your money.
- Free Credit Score Monitoring directly through the SoFi app.
- Cell Phone Protection included when you pay your monthly phone bill with the card (coverage is subject to terms, up to $1,000 per claim, $50 deductible).
- World Elite Mastercard® Benefits such as:
- Travel assistance and concierge services
- Extended warranties
- Purchase protection
- Identity theft resolution services
Fees and Charges
| Fee Type | Details |
|---|---|
| Annual Fee | $0 – No annual cost to carry the card |
| Foreign Transaction Fee | May apply – Terms not clearly disclosed; review at time of approval |
| Late Payment Fee | May apply – Based on issuer terms; check during application |
| Balance Transfer Fee | Not supported – Balance transfers are not available with this card |
| Cash Advance | Not supported – Cash advances are not offered |
| APR (Purchases) | Variable APR – Based on your creditworthiness and subject to change |
SoFi does not currently offer balance transfers or cash advances with this card, making it a cleaner product for spending and earning only.
Eligibility Requirements
To apply for the SoFi Unlimited 2% Card, applicants must meet the following criteria:
- Be at least 18 years old (or 19 in certain states)
- Have a valid U.S. mailing address (no P.O. boxes)
- Possess a Social Security Number (SSN) or ITIN
- Have a U.S. bank account
- Meet creditworthiness standards, which typically range from good to excellent credit
- You do not need to be an existing SoFi member to apply, but having a SoFi account is required to redeem rewards at full value (2% cash back)
How to Apply
Applying for the SoFi Unlimited 2% Credit Card is quick and secure:
- Visit the official SoFi Unlimited 2% Card application page
- Click “Apply Now” to start the process.
- Fill in your personal and financial information (name, address, income, SSN/ITIN).
- Submit your application for a fast decision—most applicants receive a result within minutes.
- If approved, you’ll receive a digital version of the card instantly and a physical card by mail.
Want to earn more from what you already spend? Get the SoFi Unlimited 2% Credit Card and start earning rewards with no annual fee.
SoFi Unlimited 2%
No annual fee Unlimited 2% cash back rewardsFrequently Asked Questions
1. Do I need a SoFi account to get this card?
No, but you must have a SoFi account to redeem rewards for full 2% value. Without one, your redemption rate may drop to 1%.
2. Is there an intro bonus for new cardholders?
Currently, SoFi does not offer a welcome bonus with this card.
3. Can I use this card abroad?
Yes, but foreign transaction fees may apply. It’s best to verify the terms at the time of approval if you plan to use it internationally.
4. How do I redeem my rewards?
You can redeem your cash back through the SoFi app toward savings, investing, student loan payments, or SoFi personal loans.
5. Does the card help build credit?
Yes. Your activity is reported to major credit bureaus, and the SoFi app includes tools to monitor your credit health.
6. Is there a spending category I need to follow?
No. The SoFi Unlimited 2% Card gives you a flat 2% back on all purchases when redeemed toward eligible SoFi products.
