Unlock effortless rewards with the SoFi Unlimited 2% Credit Card, the cash back credit card that keeps things simple — 2% back on everything you buy and 3% on travel booked through SoFi.
Enjoy flexibility, convenience, and valuable protection features — all with no annual fee or foreign transaction charges.
What are the main benefits of SoFi?
SoFi is a leading U.S. digital bank and fintech platform known for innovation and transparency. Its mission is to help members achieve financial independence with tools that simplify spending, investing, and saving — all in one place.
How This Card Works
The SoFi Unlimited 2% Credit Card gives unlimited 2% cash back on all purchases and 3% back on SoFi Travel bookings. Redeem rewards directly toward your SoFi Checking, Savings, or Investment accounts for maximum value.
It’s one of the best low rate credit cards and an excellent credit card for international travel, offering global Mastercard acceptance, zero foreign transaction fees, and built-in travel protection.
Requirements to apply for this credit card
- Must be at least 18 years old and a U.S. resident
- Meet SoFi’s income and credit underwriting standards
- Have a SoFi account to redeem rewards at full value
Card fees
- $0 annual fee
- No foreign transaction fees
- Standard variable APR based on credit worthiness
Apply for your card online
- Visit SoFi.com and select “Unlimited 2% Credit Card.”
- Check prequalification and complete the application.
- Submit and get a decision within minutes.
Get approved today!
Earn simple, unlimited rewards and enjoy Mastercard World Elite benefits with the SoFi Unlimited 2% Credit Card.
Apply now to experience a smarter, more rewarding way to pay — built for modern life and global travel.