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Sky’s the Restrict: SoFi Credit score Card Will get an Limitless Improve

The SoFi Credit score Card¹ was the first-of-its-kind card that incentivized constructing wholesome monetary habits, rewarding you for paying off your steadiness in full every month and charging zero annual fees², as effectively  incomes an infinite 2% money again rewards in your purchases³ -just additional money again rewards in your pockets in time for all of your vacation purchasing. We didn’t wish to cease there, and we listened to your whole suggestions the previous few years on find out how to make an ideal card even higher: we are actually providing a full 2% money again rewards on assertion credit score. This implies it is possible for you to to redeem your SoFi rewards factors for the complete 2% money again rewards once you redeem them for assertion credit score, simply as you already do once you redeem them for money, investing or paying down eligible money owed with SoFi. 

We’re reintroducing this card because the SoFi Limitless 2% Credit score Card, providing you with all the identical nice advantages, with an upgraded rewards program and title, as an early vacation reward you’ve all been asking us for. The SoFi Limitless 2% Credit score Card continues to supply unparalleled comfort and advantages by working seamlessly with different SoFi services and products, making it easy to financial institution, make investments and spend all in the identical app. 

As the top of the 12 months approaches rapidly, the SoFi Credit score Card additionally takes the stress out of monitoring your cash in addition to touring (and people huge journey payments!), providing a wide range of additional advantages on prime of limitless money again rewards:

•  Limitless 3% money again rewards on all journey booked with SoFi Journey⁴, whether or not you’re heading dwelling or to the seashore for the vacations 

•  ID Theft Safety⁵ & Zero Fraud Legal responsibility offers peace of thoughts by placing Identification Theft decision providers at your fingertips and making certain you aren’t accountable for unauthorized transactions

•  Zero international transaction charges on purchases made overseas

•  A 24/7 journey concierge service and month-to-month Lyft credit to make getting round simpler and extra inexpensive 

•  As much as $1,000 of complimentary mobile phone insurance coverage coverage⁷ to verify getting your cellphone stolen doesn’t wreck your day or journey

•  Complimentary 2-day transport through ShopRunner for last-minute items (or pre-vacation packing must-haves) 

•  Easy credit score rating and monetary monitoring through SoFi Insights to control your cash and see how your credit score rating is impacted by your spending⁸

Excited in regards to the improve? Go to right here for extra data on the SoFi Credit score Card and all its advantages. 



  1. The SoFi Credit score Card is issued by SoFi Financial institution, N.A. pursuant to license by Mastercard® Worldwide Integrated and can be utilized in all places Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard Worldwide Integrated.
  1. See Pricing, Phrases & Situations
  1. Members earn 2 rewards factors for each greenback spent on purchases. No factors shall be earned with respect to reversed transactions, returned purchases, or different related transactions. If you elect to redeem factors for money deposited into your SoFi Checking or Financial savings account, SoFi Cash® account, fractional shares in your SoFi Energetic Make investments account, as a press release credit score to your SoFi Credit score Card account, or as a cost to your SoFi Private, Personal Scholar, or Scholar Mortgage Refinance, your factors will redeem at a charge of 1 cent per each level. Brokerage and Energetic investing merchandise provided by way of SoFi Securities LLC, member FINRA/SIPC. SoFi Securities LLC is an affiliate of SoFi Financial institution, N.A. See Rewards Particulars<> for extra data.
  1. Phrases, and circumstances apply: The SoFi Journey Portal is operated by Expedia. To study extra about Expedia, click on

If you use your SoFi Credit score Card to make a purchase order on the SoFi Journey Portal, you’ll earn numerous SoFi Member Rewards factors equal to three% of the whole quantity you spend on the SoFi Journey Portal. Members can save as much as 10% or extra on eligible bookings


You have to be a SoFi registered person.

You have to comply with SoFi’s privateness consent settlement.

You have to guide the journey on SoFi’s Journey Portal reached instantly by way of a hyperlink on the SoFi web site or cellular software. Journey booked instantly on Expedia’s web site or app, or every other website operated or powered by Expedia shouldn’t be eligible.

You have to pay utilizing your SoFi Credit score Card.

SoFi Member Rewards: All phrases relevant to using SoFi Member Rewards apply. To study extra please see:

Phrases relevant to Member Rewards: https://d32ijn7u0aqfv4.cloudfront.internet/git/docs/rewards/Enrollpercent20-%20SoFipercent20Memberpercent20Rewards.pdf

Extra Phrases:

Adjustments to your bookings will have an effect on the Rewards steadiness for the acquisition.

Any canceled bookings or fraud will trigger Rewards to be rescinded.

Rewards may be delayed by as much as 7 enterprise days after a transaction posts on Members’ SoFi Credit score Card ledger.

SoFi reserves the best to withhold Rewards factors for suspected fraud, misuse, or suspicious actions.

  1. Mastercard ID Theft Safety™‎: This World Elite Mastercard® Profit comes at no extra value. Cardholders have to register for this service. To activate your alerts profit, go to and enter your card quantity to begin the registration course of. Sure phrases, circumstances, and exclusions apply. This service is offered by Generali World Help, Inc. Please see your information to advantages <> for particulars or name 1-800-MASTERCARD.
  1. Sure World Elite Mastercard® Advantages have extra phrases and circumstances, which may be accessed by way of the World Elite Mastercard® Advantages portal. Please see your information to advantages <> for particulars or name 1-800-MASTERCARD.
  1. Cell Telephone Safety: Using your SoFi Credit score Card comes with $1,000 in yearly mobile phone safety protection ($800 max per declare, 2 claims per 12 months) ought to your mobile phone get stolen or want sure repairs. Please see your information to advantages <> for particulars or name 1-800-MASTERCARD.
  1. SoFi’s Insights device gives customers the power to attach each SoFi accounts and exterior accounts utilizing Plaid, Inc.’s service and for SoFi to current to you knowledge we now have acquired from the credit score bureau. The credit score rating and related knowledge offered to you is a VantageScore® based mostly on TransUnion® (the “Processing Agent”) knowledge.

©2023 SoFi Financial institution, N.A. All rights reserved. Member FDIC. Equal Housing Lender.

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