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SoFi Debit card
SoFi Debit Card (Checking Account)
No rewards
MASTERCARD
Apply for SoFi Debit Card (Checking Account)

On SoFi's secure site

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Card review

SoFi Debit Card (Checking Account)

4.4 4.4 out of 5 8.8/10 DebitCue Score Verified

Free Mastercard debit card with 55,000+ fee-free ATMs

Fee
No fee
Foreign fee
None
Rewards
No rewards
Rewards
No rewards on debit card purchases. Savings balances earn up to 4.50% APY (with direct deposit); checking balances earn 0.50% APY.

Our verdict

What stands out, and where it falls short.

What we like

  • No card fee
  • No foreign transaction fees

Who It Is For

Whether the SoFi Debit Card (Checking Account) fits how you actually spend.

Pick it if you are

  • Anyone who wants a low-cost everyday card
  • Frequent travelers
  • People who want rewards on their spending

Rates and fees

As of

All amounts shown in USD.

Card fee
No fee
Foreign transaction fee
None
Savings APY
Up to 4.50% APY (with qualifying direct deposit or $5,000+ monthly deposit)
Checking APY
0.50% APY on checking balances

Rewards and features

Rewards
No rewards on debit card purchases. Savings balances earn up to 4.50% APY (with direct deposit); checking balances earn 0.50% APY.
Pay with
Apple Pay, Google Pay, Contactless, Virtual card
ATM Network
Fee-free access to 55,000+ AllPoint ATMs for cash withdrawals, deposits, and balance inquiries
Overdraft Coverage
Up to $50 overdraft coverage on debit card purchases for accounts receiving $1,000+ in direct deposits per 31-day rolling period

Benefits and perks

Extras that come bundled with the card.

  • No Foreign Transaction Fees
    Use the SoFi debit card internationally without foreign transaction surcharges.
  • Zero Fraud Liability
    $0 fraud liability on all debit card purchases via Mastercard.

Eligibility

What you need before you apply.

Account Requirement
Issued automatically with SoFi Checking and Savings account; no minimum balance required

SoFi Debit Card (Checking Account): your questions answered

Does the SoFi Debit Card (Checking Account) have a card fee?
No - the SoFi Debit Card (Checking Account) has no card fee.
What rewards does the SoFi Debit Card (Checking Account) earn?
The SoFi Debit Card (Checking Account) earns No rewards on debit card purchases. Savings balances earn up to 4.50% APY (with direct deposit); checking balances earn 0.50% APY..
Does the SoFi Debit Card (Checking Account) charge foreign transaction fees?
No - the SoFi Debit Card (Checking Account) has no foreign transaction fees, so it suits spending abroad.
Is the SoFi Debit Card (Checking Account) a credit, debit or prepaid card?
The SoFi Debit Card (Checking Account) is a debit card issued by SoFi on the Mastercard network.
Does the SoFi Debit Card (Checking Account) support Apple Pay and Google Pay?
Yes - the SoFi Debit Card (Checking Account) works with both Apple Pay and Google Pay.
Where can I get the SoFi Debit Card (Checking Account)?
The SoFi Debit Card (Checking Account) is currently offered in United States.
How does DebitCue rate the SoFi Debit Card (Checking Account)?
DebitCue rates the SoFi Debit Card (Checking Account) 4.4 out of 5 (8.8/10), scored on the same factors as every card - fees, rewards, perks and ease of use.
How do I apply for the SoFi Debit Card (Checking Account)?
Use the Apply now button to continue on SoFi's secure site. Comparing and applying through DebitCue is free.

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