SoFi
SoFi Credit Card (Unlimited 2%)
Cash back only
Annual fee
No annual fee
Welcome bonus
No standing welcome bonus (occasional targeted offers)
Min spend
N/A
Recommended credit
Good to Excellent (700+)
Offer last verified July 14, 2026. How we verify.
Earning rates
Unlimited 2% cash back on all purchases (redeemed into a SoFi account or loan)
3% cash back on travel booked through SoFi Travel
Features & benefits
No annual fee and no foreign transaction fee
APR reduction after 12 consecutive on-time payments
Best value if you already use SoFi to save, invest, or borrow
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the SoFi Credit Card (Unlimited 2%) lands.
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