Enjoy 3% cash back when you book trips through SoFi Travel, plus exclusive Mastercard World Elite perks like travel concierge, Lyft credits, and cell phone protection up to $1,000 per year.
With zero foreign transaction fees and automatic fraud protection, the SoFi Unlimited 2% Credit Card is a smart choice for anyone looking for a credit card for international travel that’s secure, modern, and built to reward your lifestyle.
Is the SoFi Unlimited 2% Credit Card a good card?
Absolutely. It’s a credit card with no annual fee that offers unlimited rewards with no categories, caps, or confusing rules. You earn simple, flat 2% cash back on every purchase, making it one of the best low rate credit cards for consistent value.
You can redeem points toward your SoFi accounts or travel expenses, turning everyday spending into long-term financial gains. It’s simplicity and flexibility in one powerful card, backed by SoFi’s trusted digital banking experience.
Pros and Cons of the SoFi Unlimited 2% Credit Card
Before making your decision, it’s important to weigh the pros and cons:
Pros
- Unlimited 2% cash back on all purchases
- 3% cash back on SoFi Travel bookings
- No annual fee or foreign transaction fees
Cons
- No intro APR offer for purchases or transfers
- Rewards redeemed mainly within SoFi ecosystem
How to Apply for Your SoFi Unlimited 2% Credit Card
Applying is fast and fully online. Go to SoFi’s official website, check if you’re prequalified, and complete the secure application form with your financial information.
If approved, you’ll receive your SoFi Unlimited 2% Credit Card within days and can start earning unlimited cash back immediately.