Credit card

SoFi Unlimited 2% Credit Card

Cash back

MASTERCARD

Apply for SoFi Unlimited 2% Credit Card

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Card review

SoFi Unlimited 2% Credit Card

5.0 10.0/10 DebitCue Score Verified Jun 20, 2026

Unlimited 2% cash back, zero annual fee

Fee: No fee
Purchase APR: 18.49% - 29.99%
Interest-free: 25 days
Foreign fee: None

Rewards

Unlimited 2% cash back on all eligible purchases when redeemed into a SoFi financial account (checking, savings, invest, or loan payoff); 1% when redeemed as a statement credit. 3% cash back on travel booked through SoFi Travel portal.

Welcome offer

No permanent welcome bonus; periodic promotional offers may appear at sofi.com.

Our verdict

What stands out, and where it falls short.

What we like

Unlimited 2% cash back on all eligible purchases when…
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 Unlimited 2% 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: 18.49% - 29.99%
Interest-free period: 25 days
Foreign transaction fee: None
Purchase APR: 18.49%–29.99% variable
Cash Advance APR: 30.99% variable
Balance Transfer Fee: 3% (after any promotional 0% period)

Rewards and features

Rewards: Unlimited 2% cash back on all eligible purchases when redeemed into a SoFi financial account (checking, savings, invest, or loan payoff); 1% when redeemed as a statement credit. 3% cash back on travel booked through SoFi Travel portal.
Welcome offer: No permanent welcome bonus; periodic promotional offers may appear at sofi.com.
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Rewards Redemption: 2% rate requires redemption into a SoFi account; statement credit redemption earns only 1%.

Benefits and perks

Extras that come bundled with the card.

Cell Phone Protection

Up to $1,000 per 12-month period ($800 per claim), $50 deductible, max 2 claims per year, covers theft and damage.
No Foreign Transaction Fees

Use the card internationally with no additional foreign transaction surcharge.
Mastercard World Elite Purchase Protection

Extended warranty, purchase protection, and return protection through World Elite Mastercard benefits.
Mastercard World Elite Concierge

Access to World Elite Mastercard concierge for travel and lifestyle requests.

Eligibility

What you need before you apply.

Credit Score: Good to excellent (typically 700+ FICO); invitation-only as of 2026

SoFi Unlimited 2% Credit Card: your questions answered

Does the SoFi Unlimited 2% Credit Card have a card fee?

No - the SoFi Unlimited 2% Credit Card has no card fee.

What rewards does the SoFi Unlimited 2% Credit Card earn?

The SoFi Unlimited 2% Credit Card earns Unlimited 2% cash back on all eligible purchases when redeemed into a SoFi financial account (checking, savings, invest, or loan payoff); 1% when redeemed as a statement credit. 3% cash back on travel booked through SoFi Travel portal..

Does the SoFi Unlimited 2% Credit Card charge foreign transaction fees?

No - the SoFi Unlimited 2% Credit Card has no foreign transaction fees, so it suits spending abroad.

Is there an interest-free period on the SoFi Unlimited 2% Credit Card?

Yes - up to 25 days interest-free when you pay your balance in full by the due date.

What is the interest rate on the SoFi Unlimited 2% Credit Card?

The SoFi Unlimited 2% Credit Card has a purchase APR of 18.49% - 29.99%.

Does the SoFi Unlimited 2% Credit Card have a welcome offer?

Yes - No permanent welcome bonus; periodic promotional offers may appear at sofi.com..

Is the SoFi Unlimited 2% Credit Card a credit, debit or prepaid card?

The SoFi Unlimited 2% Credit Card is a credit card issued by SoFi on the Mastercard network.

Does the SoFi Unlimited 2% Credit Card support Apple Pay and Google Pay?

Yes - the SoFi Unlimited 2% Credit Card works with both Apple Pay and Google Pay.

Where can I get the SoFi Unlimited 2% Credit Card?

The SoFi Unlimited 2% Credit Card is currently offered in United States.

How does DebitCue rate the SoFi Unlimited 2% Credit Card?

DebitCue rates the SoFi Unlimited 2% Credit Card 5.0 out of 5 (10.0/10), scored on the same factors as every card - fees, rewards, perks and ease of use.