The SoFi Unlimited Credit Card

Get rewarded every time you swipe — with unlimited cash back, no annual fees, and real financial flexibility built for smarter spending.

CREDIT CARD

SoFi Unlimited

No Annual Fee unlimited 2% cash back

SEE HOW TO APPLY You will remain on the current site

If you’re looking for a credit card that rewards you no matter where or how you spend—without weighing you down with annual fees or fine print—the latest offering from a digital-first financial powerhouse might just hit the sweet spot.

Why This Card Deserves Your Attention

At its core, the SoFi card keeps it simple: unlimited 2% cash back on all purchases. No rotating categories. No enrollment headaches. And if you’re booking flights, hotels, or rental cars through the integrated SoFi Travel portal, powered by Expedia, you’ll earn 3% back instead.

This isn’t just a cash back card—it’s a strategic financial tool. With no annual fee and the flexibility to apply rewards directly to student loans, investments, or savings, it’s designed to empower smart financial choices. Let’s break down what makes this card truly stand out.

How It Works: Simplicity with a Purpose

Every purchase you make earns 2% back—automatically. That includes groceries, gas, subscriptions, even that late-night food delivery. Want to go further? Book travel through SoFi’s dedicated platform and you’ll receive an even higher 3% back on eligible bookings.

Rewards can be instantly redeemed to:

• Pay down SoFi student or personal loans
• Transfer to SoFi Invest for stock purchases or crypto
• Boost your SoFi Savings or Checking balance

Plus, you’ll benefit from:

• No annual fees, ever
• No foreign transaction fees—a rare perk in the no-fee category
• Real-time fraud alerts and freeze/unfreeze features via the mobile app
• Contactless tap-to-pay technology for speed and security

How It Compares to Other Popular Cards

Here’s how this card stacks up against two top competitors:

Who Should Consider This Card?

This is an ideal match for:

• Young professionals juggling debt, savings, and investments.
• Tech-savvy users who want one ecosystem to manage it all.
• Remote workers or frequent travellers looking to avoid foreign transaction fees.
• People tired of chasing rotating bonus categories.

Example: Jasmine, a freelance designer from Austin, uses this card for everyday expenses. She earns $46/month in cash back, which she auto-routes to her SoFi Invest account. Over a year, that’s more than $550 invested—without lifting a finger.

Value Breakdown: Is It Worth It?

Unlike traditional rewards cards that require manual effort to redeem points or sign up for categories, the SoFi Unlimited card aligns with seamless, everyday spending. The fact that you can use rewards to chip away at debt or fuel long-term investments makes the 2% cash back feel more like a financial accelerator than just a perk.

There are no hidden fees, no gimmicks, and redemption flexibility that actually supports your bigger money goals.

A Card That Aligns With Smart Money Habits

If you’re looking for a straightforward, high-earning rewards card that integrates into your broader financial strategy—this one delivers. Especially for those already using SoFi for loans or investing, it can supercharge your money management.

But even if you’re not part of the SoFi ecosystem, the value still holds. Earning a flat 2% on everything means you don’t need to change your spending habits to maximise your rewards. It’s predictable, scalable, and designed for people who want simplicity without sacrificing returns. Whether you’re focused on debt reduction, building savings, or growing investments, this card complements your goals—not complicates them.

Curious how to use this card to its full potential? Keep reading on Page 2, where we break down smart strategies, hidden perks, and real-world hacks.