SoFi Unlimited 2% Card: check your offer and apply

Eligibility, prequalification and first steps after approval

By Luzia Martins
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Two light blue SoFi Mastercard® credit cards on a gradient background, representing SoFi’s modern financial solutions and digital banking services.

The SoFi Unlimited 2% Credit Card is a no-annual-fee World Elite Mastercard® issued by SoFi Bank, N.A. that earns 2% back on eligible purchases when you redeem into a SoFi account. This guide covers who the card suits, how to check your offer, what you need to apply and what to set up once you’re approved.

Who the card suits

The card suits people who want a simple flat-rate card without categories or an annual fee, and who pay their balance in full each month. It’s especially practical if you already use SoFi for banking, investing or loans, since your rewards can go straight into those accounts.

Reviews generally describe it as a card for applicants with good to excellent credit. It isn’t the right choice if you’re planning a large purchase and need time to pay it off, since there’s no intro APR on purchases.

Who can apply

The card is available to U.S. residents who are at least 18, or of legal age in their state. To be approved, you need to meet SoFi’s underwriting requirements, which include verifying that your income is enough to support your ability to pay. If you’re approved, your credit line will be at least $500.

How to apply

  1. Select Check for Offers on SoFi’s website or in the SoFi app to see whether you prequalify. If you received an offer by mail, you can enter your confirmation number instead.
  2. Fill in your personal and financial information, including your name, address, date of birth, Social Security number, employment and income. If you’re already a SoFi member, some of this information may be filled in for you.
  3. Review the pricing, terms and conditions before you submit.
  4. Submit the application. SoFi says it can take up to 30 days from submission to process an application.

Submitting a full application usually results in a hard inquiry on your credit report. SoFi may ask for additional documents to verify your identity or income.

Terms checked in September 2026. Confirm the current terms on SoFi’s official website before you apply.

After you’re approved

Set up the card in the SoFi app, where you can track purchases and rewards and make payments. Then take care of a few details that help you get the most from the card:

  • Choose where your rewards go. Points are worth 1 cent each when redeemed toward a SoFi account, including a statement credit on the card.
  • Check the card’s guide to benefits for the cell phone protection, which covers up to $800 per claim and $1,000 a year, with two claims per year. Benefits like this typically require paying your monthly phone bill with the card.
  • Register for Mastercard ID Theft Protection™, which isn’t active until you sign up.
  • If you travel, book through the SoFi Travel Portal from SoFi’s website or app to earn 3%. Bookings made directly on Expedia don’t qualify.

Frequently asked questions

Does checking for offers affect my credit score?
Checking whether you prequalify doesn’t affect your credit score. Submitting a full application usually results in a hard inquiry.
Do I need a SoFi account to use my rewards?
Not necessarily. You can redeem points as a statement credit on your SoFi card at 1 cent per point. Other SoFi accounts, like checking, savings or investing, are also options at the same rate.
Does the card charge foreign transaction fees?
No. The card doesn’t charge foreign transaction fees, so you can use it for purchases abroad without that extra cost. Check your card’s pricing and terms to confirm before you travel.
Can I transfer a balance to this card?
Only if you receive a promotional offer. SoFi’s terms say it currently accepts balance transfers only from recipients of promotional offers.
How do I report a lost or stolen card?
Call SoFi credit card support at 844-945-SOFI (7634). You’re protected against unauthorized charges under Mastercard’s Zero Liability policy.

How to contact SoFi

For questions about your SoFi Credit Card, call 844-945-SOFI (7634). You can also reach support through chat in the SoFi app or on SoFi’s website.

Our take on the SoFi Unlimited 2% Credit Card

The SoFi Unlimited 2% Credit Card offers a strong flat rate with no annual fee, and it fits best if you’re comfortable keeping your rewards within SoFi. Check for offers first to see whether you prequalify, and plan to pay your balance in full each month so the APR doesn’t cancel out your 2%.

The button below takes you to SoFi’s official website, where you can check for offers and apply.

GO TO OFFICIAL WEBSITE

*You will be redirected to SoFi’s website*

Editorial Notice: All content published on this website is completely independent and aims to provide clear, useful, and up-to-date information about personal finance. We have no ties to banks, financial institutions or credit card companies. We are not affiliates and do not receive commissions or payments to promote products or services. Our website is monetized exclusively through the advertisements displayed on our pages. This content is for informational purposes only and is not financial advice.

Hi, I’m Luzia, part of the content team at Finvyu. I specialize in providing clear and accessible financial information to help people of all ages manage their money more effectively in everyday life.
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