Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
13.24% - 25.49%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
13.24% - 25.49%(Verified 06/21/2024)
Credit Score Range
Up to 850
Annual Fee
$0
Sofi Credit Card Review
This is a cashback credit card issued by SoFi. If you're wondering whether Sofi Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Sofi Credit Card has a variable regular purchase APR that ranges from 13.24% up to 25.49%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- $0 intro annual fee for the first year. Sofi Credit Card gives you the chance to have the card for a year without paying the $0 annual fee.
- A 5% balance transfer fee. Sofi Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $10.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
Pros & Cons of Sofi Credit Card
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Sofi Credit Card FAQ
Does Sofi Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Sofi Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Sofi Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Sofi Credit Card benefits?
Sofi Credit Card provides the following benefits:
- Cell Phone Protection
- Reports to major credit bureaus
What are the relevant APRs for Sofi Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Sofi Credit Card has a variable purchase APR that ranges from 13.24% up to 25.49%. The card has a variable balance transfer APR that ranges from 13.24% up to 25.49%. It also has a variable cash advance APR starting at 27.24% .
Does Sofi Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Sofi Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Sofi Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Starting at $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Starting at $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
There is a late fee starting at $39. Does Sofi Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Sofi Credit Card?
The customer service number for Sofi Credit Card is (844) 945-7634.
What is the support contact email for Sofi Credit Card?
The support contact email for Sofi Credit Card is customerservice@sofi.com.
What is the login page for Sofi Credit Card?
You can access the login page of Sofi Credit Card here.
How do people rate the customer service and user experience of Sofi Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Sofi Credit Card report your account activity to credit bureaus?
Yes, Sofi Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does SoFi perform a hard credit pull?
Yes, Sofi Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Sofi Credit Card
- Visit the website of Sofi Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
Headquarters
234 1st Street
San Francisco, CA 94105
Hours of Operation
Sunday
4:00AM - 5:00PM
Monday
4:00AM - 9:00PM
Tuesday
4:00AM - 9:00PM
Wednesday
4:00AM - 9:00PM
Thursday
4:00AM - 9:00PM
Friday
4:00AM - 5:00PM
Saturday
4:00AM - 5:00PM