SoFi Credit Card
by SoFi
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Not listed
- ID check
- Full KYC
- Card
- Physical
- Phone pay
- No
Our verdict
SoFi Credit Card is a U.S. credit card with 2% unlimited cashback that can go into crypto on the SoFi platform. As a credit product, it has no annual fee and helps build credit, but crypto is only a redemption option.
What we like
- +Unlimited 2% cashback
- +No annual fee
- +Helps build credit history
- +Cashback can be redeemed as crypto
- +Backed by an established U.S. company
- +No foreign transaction fees
Watch out for
- −Available only in the US
- −Credit check needed
- −Full KYC needed
- −Not a true crypto card, only crypto redemption
- −SoFi membership is required
5.9/10
Editor score
Fair
4.8/10
User rating
Based on 35 sources
Lv 4
KYC Level
Full KYC
Regional
Availability
0 countries
Card Overview
Rewards
- Cashback
- 2%
- Cashback Crypto
- BTC
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- —
- FX Fee
- Free
- Top-up Fee
- —
- Decline Fee
- —
Limits
- Daily Spend
- Unlimited
- Monthly Spend
- Unlimited
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- Physical Card
- Card Network
- Mastercard
- Apple Pay
- —
- Google Pay
- —
KYC Requirements
Level: Full KYC
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✓Proof of addressRequired
- ✓Selfie verificationRequired
Community Sentiment
Community Score
4.8/10
Sourced from
The card was once admired as a fee-free 2% flat-rate cashback card built into a full banking ecosystem. Its reputation dropped in early 2026 after a $10 monthly fee was introduced for non-Plus members and a data breach was disclosed in January 2026. Reddit and X discussion is dominated by anger over fees and mass cancellations. Rewards still work well, since points redeem at a full 1 cent into SoFi accounts, loans or fractional shares, but the $6,000 annual spend needed to break even weakens the value for most people. Approval is opaque, with the best results reported for FICO scores near 800. The Android app has crashes and a cluttered marketing interface, while iOS is stable. Support is the weak point, with account freezes lasting months and agents unable to override automated fraud blocks. Users also worry about data monetization and the December 2025 social-engineering breach that exposed 38,000+ records.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Bitcoin, Ethereum, Solana, Polygon
Frequently asked questions
Does the SoFi Credit Card require KYC?
Yes. SoFi asks for full kyc before issuing the card. Full verification: ID document, proof of address and a selfie or liveness check.
What fees does the SoFi Credit Card charge?
The card has a monthly fee of free, an issuance fee of free, an FX fee of free. See the fee table above for ATM and decline fees.
Does the SoFi Credit Card work with Apple Pay and Google Pay?
Apple Pay is not supported and Google Pay is not supported, according to the issuer.
Which countries can get the SoFi Credit Card?
Availability is limited to specific regions; check the issuer's site for your country.
Which cryptocurrencies does the SoFi Credit Card support?
BTC, ETH, SOL, DOGE, ADA, DOT, MATIC, AVAX, LINK.
Last updated August 19, 2026, verified August 6, 2026.