SoFi Unlimited 2% Credit Card1 Really focuses on simply rewarding our members. With no annual fee†, the card features a range of benefits to help you get your money right, including unlimited 2% cash back rewards2 On all purchases redeemable as statement credit or for saving, investing, or paying down eligible SoFi debt. Today, we’re launching a new feature that rewards our most loyal members even more – a 10% increase in cash back rewards earned for credit card members through direct deposit through SoFi Checking & Savings3. It’s unlimited cash back rewards of 2.2% on all purchases, and up to 3.3% on trips booked through SoFi Travel4. Unlike other promotions, the 10% promotion does not expire and has no limits on the amount you can earn from the feature.
How does this work? it is easy. Open a 2% SoFi Unlimited credit card and set up direct deposit through SoFi Checking & Savings. Once your first paycheck comes through direct deposit, you’ll automatically start earning unlimited 2.2% cash back rewards on all your purchases. As long as you keep your direct deposit through SoFi Checking & Savings and continue using the SoFi Unlimited 2% Credit Card, you’ll also continue to get the bonus boost. This new feature isn’t just for new cardholders. Existing credit card members with direct deposit into their SoFi Checking and Savings account will also automatically begin receiving a 10% increase.
Additional benefits of the SoFi Unlimited 2% Credit Card include:
–Identity theft protection5 Zero Fraud Liability gives you peace of mind by putting identity theft resolution services at your fingertips and ensuring that you are not liable for unauthorized transactions
-There are no foreign transaction fees on purchases made abroad
– 24/7 travel concierge and monthly Lyft credits to make commuting easy and affordable6
-Free 2-day shipping via ShopRunner6
– Access free credit score and financial monitoring to monitor your finances and see how your credit score is affected by your spending7
Are you ready to increase your cash back rewards to 2.2% unlimited? Click here to start.
Disclosures
1SoFi credit cards are issued by SoFi Bank, NA under license from Mastercard® International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
†See rates, terms and conditions at SoFi.com/card/terms
2Members earn 2 reward points for every dollar spent on purchases. No Reward Points will be earned in connection with canceled transactions, returned purchases or other similar transactions. When you choose to redeem Rewards Points into your SoFi Checking or Savings Account, SoFi Money® Account, SoFi Active Invest Account, SoFi Credit Card Account, SoFi Personal, Private Student or Student Loan Refinance, your Reward Points will be redeemed At a rate of 1 cent per point. For more details, please visit the rewards page. Brokerage and active investing products offered through SoFi Securities LLC, Member FINRA/SIPC. SoFi Securities LLC is a subsidiary of SoFi Bank, NA. Rewards points, which in turn can be redeemed for cash rewards, are earned with every eligible purchase made on a customer in good standing on a SoFi credit card. No points will be earned in connection with canceled transactions, returned purchases or other similar transactions. See bonus detailsSoFi.com/card/rewards>For more information about qualifying purchases.
310% Increase in Cash Back Rewards Points for SoFi Credit Card Purchases: Members who meet eligibility criteria will receive a 10% increase in Cash Back Rewards rates for all eligible purchases made with the SoFi Credit Card (“Promotion”). A 10% increase means a 10% multiplier will be applied to your current Cash Back rewards rates (for example, 10% x 2% Cash Back rewards rate = 0.2% increase). For example, eligible members must earn 2.2% Cash Back Rewards points on everyday purchases, 3.3% Cash Back Rewards points on SoFi Travel purchases, and 27.5% Cash Back Rewards points on SoFi Stadium purchases. For purposes of calculating the 10% excess on Cash Back Reward Points, each transaction must be rounded to the nearest dollar, and fractional points must be rounded to the nearest whole point. The 10% increase does not apply to (1) transactions that are not eligible for Cash Back Reward Points, as set forth in SoFi Credit Card Rewards Terms or (2) manually awarded free bonus points. SoFi will determine, in its sole discretion, whether a transaction qualifies for a 10% markup under this promotion.
To be eligible for this promotion, you must receive a direct deposit into your SoFi checking or savings account during the promotion period. You must receive a direct deposit during each 30-day Evaluation Period (as defined below) to continue receiving the 10% increase. Direct deposit means a deposit into the account holder’s SoFi checking or savings account, including payroll, pension, or government payments (e.g., Social Security), made by an employer, payroll or benefits provider, or government agency. (“Direct Deposit”) to the Account Holder (“Direct Deposit”) via the Automated Clearing House (“ACH”) network. Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), and merchant transactions (e.g., Transactions from PayPal, Stripe, and Square). etc.), ACH bank funds transfers and wire transfers from external accounts, do not constitute direct deposit activity and are not eligible for this promotion.
The 30-day Evaluation Period means the “Start Date” and “End Date” set forth on the APY details page of your Account, which includes a period of 30 calendar days (“30-Day Evaluation Period”). You can access the APY details page at any time by logging into your SoFi account on the SoFi mobile app or the SoFi website and selecting either (1) Banking > Savings > Current APY or (2) Banking > Checking > APY Present. When you receive a direct deposit into your account, you will start receiving a 10% increase in cash back rewards. You will continue to receive the 10% increase for the duration of (i) the remainder of the current 30-day evaluation period through the end of the subsequent 30-day evaluation period and (ii) any subsequent 30-day evaluation periods during which SoFi Bank determines you to have Uninterrupted direct deposit activity. SoFi Bank reserves the right to provide a grace period to account holders following a change in direct deposit activity before terminating the 10% boost feature. If SoFi Bank grants you a grace period, those grace period dates will be reflected on the APY details page of your account. If SoFi Bank determines that you have not received a direct deposit within the current 30-day evaluation period, and grace period, if applicable, you will no longer receive the 10% raise until you have direct deposit activity within the subsequent 30 days. Daily evaluation period. In some cases, it may take up to 90 days for your direct deposit to be recognized, after which you will start getting a 10% increase in cash back rewards. If you don’t see a 10% increase to your cash back rewards after 90 days, please contact our Help Center.
Promotion Period: Promotion will begin on 4/1/24 at 1:00 PM ET. SoFi reserves the right to terminate or make changes to this promotion at any time.
Eligible Participants: All new and existing SoFi Credit Card Members who receive a direct deposit into their SoFi checking or savings account during the Promotion Period are eligible for this promotion. You must receive a direct deposit during each 30-day evaluation period to continue receiving the 10% increase. A Member may not receive a 10% bonus under this Promotion if they are currently earning 3% Cash Back Rewards Points under the 3% Cash Back Rewards Offer. If you are currently taking advantage of the 3% Cash Back Rewards offer, you will continue to earn 3% Cash Back Rewards points until you no longer qualify or until this benefit expires, as stated in the 3% Cash Back Rewards offer. conditions. When your 3% Cash Back Reward Points expire, you will be eligible to receive a 10% bonus under this promotion, provided you meet the eligibility criteria set out here. Offer limited to one account each for SoFi checking and savings accounts. Your SoFi credit card account will only benefit from a 10% increase under this promotion if the primary SoFi credit card account holder receives a direct deposit into their SoFi checking or savings account (or, in the case of a joint checking and savings account, the joint account holder receives the deposit direct). SoFi reserves the right to disqualify any Member from participating in this Promotion for any reason, including suspicion of fraud or abuse or if suspicious activities are observed.
4Terms and conditions apply: SoFi travel portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx
When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards Points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on qualifying bookings
Eligibility:
You must be a registered SoFi user.
You must agree to SoFi’s Privacy Consent Agreement.
You must book travel on SoFi’s travel portal which is accessed directly through a link on the SoFi website or mobile app. Travel booked directly on the Expedia website or app, or any other site operated or supported by Expedia, is not eligible.
You must pay using your SoFi credit card.
SoFi Member Rewards: All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: https://www.sofi.com/rewards/
Conditions applicable to member rewards:
Additional terms:
Changes to your reservations will affect your purchase’s rewards balance.
Any canceled or fraudulent reservations will result in the rewards being voided.
Rewards can be delayed up to 7 business days after the transaction is posted to a member’s SoFi credit card ledger.
SoFi reserves the right to withhold reward points in cases of fraud, abuse or suspicious activity.
©2024 SoFi Bank, NA All Rights Reserved. Member Federal Deposit Insurance Corporation (FDIC). Equal Housing Lender. NMLS #696891 (FDIC Member), (www.nmlsconsumeraccess.org).
5MasterCard™ Identity Theft Protection: The World Elite Mastercard® feature comes at no additional cost. Cardholders must register for this service. To activate your alerts feature, visit mastercardus.idprotectiononline.com and enter your card number to begin the registration process. Certain terms, conditions and exclusions apply. This service is provided by Generali Global Assistance, Inc. Please see your benefits guidehttps://www.mastercard.us/en-us/personal/find-a-card/world-elite-mastercard-credit.html> For details or call 1-800-MASTERCARD.
6Certain World Elite Mastercard® benefits have additional terms and conditions, which can be accessed through the World Elite Mastercard® benefits portal. Please see your guide to benefitshttps://www.mastercard.us/en-us/personal/find-a-card/world-elite-mastercard-credit.html> For details or call 1-800-MASTERCARD.
7SoFi Relay provides users with the ability to link SoFi and external accounts using the Plaid, Inc. service. When you use the Service to connect an Account, you authorize SoFi to obtain Account Information from any Third-Party Accounts as set forth in the SoFi Terms of Use. Upon your consent, SoFi will automatically provide certain financial data received from the credit bureau for your viewing, without the need to link additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any User Data or loss of User Data, communications or personalization settings. You must confirm the accuracy of the engraved data through sources independent of SoFi. Credit score is VantageScore® based on TransUnion® data (“processing agent”).
©2024 Social Finance, LLC. All rights reserved.
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