SoFi Smart Card
SoFi · MASTERCARD
The SoFi Smart Card is a credit card from SoFi on the MASTERCARD network. It has an annual fee of $0. It earns 5% on groceries. The welcome offer is Earn a $25 bonus when you spend $100 in your first 30 days. See terms.
Key facts
- Annual fee
- $0
- Credit needed
- Excellent, Good, Fair, Bad, None
- Network
- MASTERCARD
- Welcome offer
- Earn a $25 bonus when you spend $100 in your first 30 days. See terms.
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Groceries | 5% | Earn unlimited 5% cashback rewards at grocery stores. |
Benefits and perks
- Earn a $25 bonus when you spend $100 in your first 30 days. See terms.
- Earn unlimited 5% cashback rewards at grocery stores.
- You control your spending power. Your Smart Card spending limit is set by your SoFi Checking and Savings balance.
- Grow your credit score with on-time payment.
- No annual fee.
- Get Support
- Report a lost or stolen card
Rates and fees
Annual membership fee: $0.
Rates and fees as published by the issuer and recorded on 6 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the SoFi Smart Card
What is the annual fee on the SoFi Smart Card?
The SoFi Smart Card has an annual fee of $0.
What rewards does the SoFi Smart Card earn?
The SoFi Smart Card earns 5% on groceries.
What credit score do you need for the SoFi Smart Card?
The SoFi Smart Card is generally listed for applicants with excellent or good or fair or bad or none credit. Approval also depends on income and the issuer's own criteria.
Is the SoFi Smart Card worth it?
The SoFi Smart Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
Not sure this is the right card for you?
Upload a credit card statement and Woodo works out what you actually spend by category, then ranks every card in the catalog against your own numbers. No bank login needed.
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