Looking for a credit card that puts you in control? The SoFi Essential Credit Card takes away the headaches of hidden fees while rewarding you with perks that matter.
With this card, you’ll enjoy zero annual fees, enhanced fraud protection, and the freedom to earn rewards that can be redeemed directly into SoFi accounts.
About the bank SoFi Bank, N.A.
SoFi Bank, N.A. is part of Social Finance, Inc., a trusted financial technology leader known for reshaping how people borrow, save, and invest.
Since its founding, SoFi has expanded into student loans, mortgages, investing, insurance, and banking solutions, offering millions of members tools to achieve financial independence.
How This Card Works
The SoFi Essential Credit Card is an invitation-only product that gives members peace of mind with no annual fee, no surprise charges, and 3% unlimited cash back when booking through SoFi Travel.
Because it’s issued by Mastercard, you’ll also enjoy global acceptance, enhanced security features, and access to Mastercard benefits like Priceless Experiences, Airport Concierge, and Zero Liability Fraud Protection.
Requirements to apply for this credit card
- Must be a SoFi registered user
- Must have received a mail invitation to apply
- Must be at least 18 years old and a U.S. resident
- Must meet SoFi’s underwriting criteria, including income verification
Card fees
- No annual fee
- No overlimit fees
- No returned payment fees
- No foreign transaction fees
Apply for your card online
- Check your mail for a SoFi Essential invitation offer
- Visit the SoFi website and enter your application details
- Submit income verification and agree to terms
- Receive a fast decision and get your card shipped
- Start using your SoFi Essential Credit Card everywhere Mastercard is accepted
Get approved today!
With no hidden costs, real rewards on travel, and extra fraud protection, the SoFi Essential Credit Card is a smart choice for anyone who values financial confidence and flexibility.
Don’t wait—this is your chance to enjoy a modern card experience that truly has your back. Apply today and start reaping the benefits.