Credit card

SoFi Everyday Cash Rewards Credit Card

Cash back

MASTERCARD

Apply for SoFi Everyday Cash Rewards Credit Card

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Card review

SoFi Everyday Cash Rewards Credit Card

4.8 9.6/10 DebitCue Score Verified Jun 20, 2026

Earn more on everyday dining and groceries

Fee: No fee
Purchase APR: 19.99% - 29.99%
Interest-free: -
Foreign fee: None

Rewards

3% unlimited cash back on dining at restaurants and food delivery services; 2% on grocery store and convenience store purchases; 1% on all other eligible purchases.

Welcome offer

Welcome offer varies by applicant's credit history and SoFi membership; no standard public offer.

Our verdict

What stands out, and where it falls short.

What we like

3% unlimited cash back on dining at restaurants and…
Welcome bonus
No card fee
No foreign transaction fees

Worth weighing

High interest if you carry a balance

Who It Is For

Whether the SoFi Everyday Cash Rewards Credit Card 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 June 20, 2026

All amounts shown in USD.

Card fee: No fee
Purchase APR: 19.99% - 29.99%
Interest-free period: -
Foreign transaction fee: None
Purchase APR: 19.99%–29.99% variable

Rewards and features

Rewards: 3% unlimited cash back on dining at restaurants and food delivery services; 2% on grocery store and convenience store purchases; 1% on all other eligible purchases.
Welcome offer: Welcome offer varies by applicant's credit history and SoFi membership; no standard public offer.
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Availability: Invitation-only as of mid-2026; rolled out to existing SoFi customers.
Dining Category: Includes sit-down restaurants and food delivery services such as DoorDash and Uber Eats.

Benefits and perks

Extras that come bundled with the card.

No Foreign Transaction Fees

No surcharge on international purchases.
No Surprise Fees

No annual fee, no over-limit fee, no foreign transaction fee.

Eligibility

What you need before you apply.

Issuer: SoFi Bank, N.A., pursuant to Mastercard International license

SoFi Everyday Cash Rewards Credit Card: your questions answered

Does the SoFi Everyday Cash Rewards Credit Card have a card fee?

No - the SoFi Everyday Cash Rewards Credit Card has no card fee.

What rewards does the SoFi Everyday Cash Rewards Credit Card earn?

The SoFi Everyday Cash Rewards Credit Card earns 3% unlimited cash back on dining at restaurants and food delivery services; 2% on grocery store and convenience store purchases; 1% on all other eligible purchases..

Does the SoFi Everyday Cash Rewards Credit Card charge foreign transaction fees?

No - the SoFi Everyday Cash Rewards Credit Card has no foreign transaction fees, so it suits spending abroad.

What is the interest rate on the SoFi Everyday Cash Rewards Credit Card?

The SoFi Everyday Cash Rewards Credit Card has a purchase APR of 19.99% - 29.99%.

Does the SoFi Everyday Cash Rewards Credit Card have a welcome offer?

Yes - Welcome offer varies by applicant's credit history and SoFi membership; no standard public offer..

Is the SoFi Everyday Cash Rewards Credit Card a credit, debit or prepaid card?

The SoFi Everyday Cash Rewards Credit Card is a credit card issued by SoFi on the Mastercard network.

Does the SoFi Everyday Cash Rewards Credit Card support Apple Pay and Google Pay?

Yes - the SoFi Everyday Cash Rewards Credit Card works with both Apple Pay and Google Pay.

Where can I get the SoFi Everyday Cash Rewards Credit Card?

The SoFi Everyday Cash Rewards Credit Card is currently offered in United States.

How does DebitCue rate the SoFi Everyday Cash Rewards Credit Card?

DebitCue rates the SoFi Everyday Cash Rewards Credit Card 4.8 out of 5 (9.6/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the SoFi Everyday Cash Rewards Credit Card?

Use the Apply now button to continue on SoFi's secure site. Comparing and applying through DebitCue is free.