Cash Back card · SoFi Bank
SoFi Credit Card
SoFi Credit Card is the flat-rate card: 2% cash back on everything, with no annual fee as of 2026. Annual fee: No annual fee (as of 2026).
Card facts
| Issuer | SoFi Bank |
|---|---|
| Network | Mastercard |
| Type | Cash Back |
| Annual fee | No annual fee (as of 2026) |
| Rewards | 2% cash back on every purchase for members with direct deposit or qualifying activity, and 1% cash back for others. |
| Interest rate | Variable — the issuer's official page lists the current rate. |
Every fact above is taken from the sources listed below; anything no source states is left blank rather than guessed. Annual fees and rewards change — every figure on this page carries its year, and the issuer's official page is always the current one.
Rewards, in plain words
2% cash back on every purchase for members with direct deposit or qualifying activity, and 1% cash back for others.
Who it is built for
Built for SoFi members who want a flat cash back rate.
Current details — visit the official SoFi Credit Card page. Annual fees, rewards and interest rates change; the issuer's own page is always the current one.
More Cash Back cards
American Express Everyday Card
2 points per dollar at US supermarkets (up to $6,000 in purchases a year), and 1 point per dollar on everything else.
Apple Card
3% Daily Cash back at Apple and select merchants, 2% Daily Cash back on purchases made with Apple Pay, and 1% Daily Cash back on purchases made with the physical card.
Bank of America Customized Cash Rewards
3% cash back in a category the holder chooses (up to $2,500 in combined purchases a quarter), 2% cash back at grocery stores and wholesale clubs, and 1% cash back on everything else.
Bank of America Unlimited Cash Rewards
1.5% cash back on every purchase, with no spending limit on the flat rate.
Frequently asked questions
What is the SoFi Credit Card?
SoFi Credit Card is the flat-rate card: 2% cash back on everything, with no annual fee as of 2026.
Does the SoFi Credit Card have an annual fee?
No — the card has no annual fee (No annual fee (as of 2026)).
What rewards does the SoFi Credit Card earn?
2% cash back on every purchase for members with direct deposit or qualifying activity, and 1% cash back for others.
Who issues the SoFi Credit Card?
The SoFi Credit Card is issued by SoFi Bank and runs on the Mastercard network.
Sources
- https://www.sofi.com/credit-card/ — SoFi's card page
Page last updated 14 November 2026.