Finding a credit card that actually works for your life not just your wallet can feel like a challenge. Many cards offer complicated reward structures, hidden fees, or flashy perks that don’t really deliver value in the long run. But what if you had a card that focused on real progress instead of distractions? A card designed to reward your everyday spending while helping you move closer to your financial goals with no gimmicks or confusion along the way.
That’s where the SoFi Unlimited 2% Credit Card comes in. It takes the guesswork out of earning rewards and replaces it with a clear, flexible approach that fits into your routine. Whether you’re saving, investing, or paying off loans, this card gives you the power to make every purchase count while keeping things simple, smart, and stress-free. It’s not just about using credit it’s about using it with purpose.
SoFi Unlimited 2%
No annual fee Unlimited 2% cash back rewardsBenefits You Can Count On
- 2% Unlimited Cash Back on every purchase, when redeemed toward SoFi accounts like savings, investing, or loan payments.
- No Annual Fee, giving you full access to rewards with zero cost to carry the card.
- Flexible Redemptions that let you decide how to use your rewards: grow savings, invest for the future, or pay off debt.
- Enhanced Features with Direct Deposit, including faster transfers and expanded options.
- Free Credit Monitoring built into the SoFi mobile app to help you stay on top of your credit health.
- Phone Protection Included, when you pay your cell bill with the card—coverage for theft or damage up to set limits.
- Mastercard World Elite® Benefits, including identity theft protection, extended warranties, and travel services.
This combination of cash back and financial tools makes it a smart option for individuals who are serious about building wealth over time.
Fees and Costs
Here’s what you need to know about potential fees and interest:
| Type of Fee | Details |
|---|---|
| Annual Fee | $0 |
| Purchase APR | Variable, based on your creditworthiness |
| Foreign Transaction Fees | May apply check terms at the time of application |
| Late Payment Fee | Possible, based on the card issuer’s policy |
| Cash Advance / Balance Transfer | Not currently supported |
No balance transfers or cash advances are available at this time, keeping the card focused on spending and rewards.
Eligibility and Application Requirements
To qualify for the SoFi Unlimited 2% Credit Card, make sure you meet the following criteria:
- Be 18 or older (or 19 in some states)
- Have a valid U.S. address
- Provide a Social Security Number (SSN) or ITIN
- Meet minimum creditworthiness standards (good to excellent credit is recommended)
- Hold or open a SoFi account to redeem rewards at full value
You don’t have to be a SoFi customer to apply, but you’ll get the most out of the card if you’re already using their products.
How to Apply
The application process is fast and online. Here’s how it works:
- Head to the SoFi credit card application page
- Select “Apply Now”
- Enter your personal, employment, and financial information
- Submit your application and wait for a decision (usually within minutes)
- If approved, you can start using your digital card right away while the physical card is mailed to you
For best results, consider setting up direct deposit through SoFi after approval to unlock extra features and control.
SoFi Unlimited 2%
No annual fee Unlimited 2% cash back rewardsFrequently Asked Questions About the SoFi Unlimited 2% Credit Card
1. Can I get this card without a SoFi account?
Yes, but to access the full 2% redemption value, you’ll need a SoFi account linked to eligible products.
2. Does the card have a sign-up bonus?
Currently, there is no welcome offer for new cardholders.
3. Is this card good for international travel?
Foreign transaction fees may apply, so it’s not the most travel-friendly option.
4. Can I track my credit with this card?
Absolutely. SoFi provides built-in credit tracking and score monitoring through their mobile app.
5. Is the 2% rate guaranteed on all purchases?
Yes, as long as you redeem your rewards toward eligible SoFi products.
6. Are balance transfers or cash advances allowed?
Not at this time. This card is designed strictly for purchases and cash back rewards.
