The SoFi Credit Card, issued by The Bancorp Bank, is a World Elite Mastercard credit card made of plastic.

SoFi Credit Card
Plastic World Elite Mastercard Available

Card Details

SoFi Credit Card
Network / TierMastercard · World Elite Mastercard
IssuerThe Bancorp Bank
Annual Fee$0.00
1st
Foreign Transaction FeeNone
1st
Authorized User Fee$0.00
1st
Min. Credit Line$1,000
64th

Welcome Offer

BonusN/A
Min. SpendN/A
TimelineN/A
EfficiencyNone
Cash Value—
Portal Value—
Transfer Value—

Rewards Breakdown

Base Rate2.00x
11th
Anniversary BonusNone

Pricing Details

Purchase APR26.99%–36.99%
Cash Advance APR36.99%
112th
Cash Advance Fee5%
14th
Balance Transfer Fee5%
75th
Late FeeUp to $40
36th
Return Payment FeeUp to $40
62nd
Min. Interest$2.00
100th
Grace Period25 days
5th
Penalty APRNone
Intro APR PeriodNone

Benefits & Partners

Transfer PartnersNone
Annual CreditsNone
Partnership BenefitsNone

Strategy & Eligibility

Min. Credit Score700+
Recommended RangeGood to Excellent
Chase 5/24 RuleNo
Lifetime RestrictionNone
Active Family RestrictionYes (None)
Closure Grace PeriodNone
Credit ReportingExperian, Equifax, TransUnion
Product LifecycleAvailable (6y ago)

Access & Resources

Digital WalletsApple Pay, Google Pay, Samsung Pay
Customer ServiceUnverified
Instant UseNo
Product Page Pricing & Terms

Comparisons

See how the SoFi Credit Card compares to other cards.

Terms and rewards for this card are currently Unverified. While we strive for accuracy, card issuers may change terms at any time. Always verify details on the issuer's official website before applying.