SoFi Smart Card review
Updated October 12, 2026 · DebitCue Editorial Team
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Our verdict
SoFi Smart Card pairs credit function with debit style access alongside cashback linked to card spending. It suits shoppers who value cashback on routine purchases and people who prefer everyday card based access for daily spending needs through one card product.
Key facts
- Best for
- Everyday spending with cashback rewards
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- SoFi Bank, National Association (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Founded
- 2011 (Source, checked September 26, 2026)
- Features
- Rewards
- Audience
- Business
- Official website
- sofi.com
Debit cards
- Monthly fee
- $0 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Legal entity
- SoFi Bank, National Association (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Founded
- 2011 (Source, checked September 26, 2026)
- Features
- Rewards
- Audience
- Business
Pros
Pros
- Credit kind paired with debit type access through one everyday card
- Rewards in cashback form connected to routine card spending
- Unified card structure linking everyday spending with cashback rewards
Who it suits
- Shoppers who value cashback on routine spending
- People who prefer everyday card based access
How SoFi Smart Card compares
Where SoFi Smart Card is available
- Available
- United States
- Licence in United States
- Office of the Comptroller of the Currency, checked September 26, 2026
- Licence in United States
- FDIC (FDIC cert 26881), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What type of card is SoFi Smart Card?+
SoFi Smart Card combines credit kind with debit type. It provides card based access for everyday spending through one product. Think about daily habits and whether that structure matches routine use patterns.
What rewards link to SoFi Smart Card?+
SoFi Smart Card includes rewards in cashback form. Rewards connect to spending made with the card during routine use. Consider the shops visited often and whether cashback matches personal daily routine.
Who might consider SoFi Smart Card?+
SoFi Smart Card appeals to shoppers who value cashback on routine purchases. It also appeals to people who prefer everyday card based access. Review spending patterns and decide whether this combination supports personal daily needs.
Which company operates SoFi Smart Card?+
SoFi Smart Card is operated by SoFi Bank, National Association. (Source, checked September 26, 2026)
Where is SoFi Smart Card based?+
SoFi Smart Card is based in United States. (Source, checked September 26, 2026)
When was SoFi Smart Card founded?+
SoFi Smart Card was founded in 2011. (Source, checked September 26, 2026)
Sources
- banks.data.fdic.gov/bankfind-suite/bankfind/details/26881 checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“CERT=26881; NAME=SoFi Bank, National Association; WEBADDR=www.sofi.com; ACTIVE=1”
- en.wikipedia.org/wiki/SoFi checked September 26, 2026
Backs: Audience, Card kind, Card type, Features, Founded, Monthly fee, Rewards type
“it operates a direct bank serving retail customers and businesses”
Compiled from 2 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Annual fee, APR, Currency conversion fee.