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SoFi Reward Points (1¢ into SoFi accounts)
SoFi's only credit card
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Travel via SoFi Travel | 3% | — | SoFi Plus members get a +10% rewards boost — effectively 2.2% base / 5% on SoFi Travel (verify) |
No standard bonus reported
No standard spend-based welcome bonus. SoFi's only consumer credit card; 2% back when redeemed into a SoFi account (3% via SoFi Travel; 5% for SoFi Plus via the portal, per the main database). Targeted account-bundle promos are not a card bonus.
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
SoFi membership / pre-qualification; invite flow in some channels
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Explicitly included at the user's request — its absence of a bonus is the data point.
Offer type, as listed: No standard sign-up bonus