1PRESCREEN AND OPT-OUT NOTICE: You received this “prescreened” offer of credit because we used information from your credit report to determine that you satisfied certain criteria. This offer is not guaranteed if you do not meet our criteria. However, if you do not want to receive prescreened offers of credit from us and other companies, you may exercise the right to not be included on prescreened lists by calling the consumer reporting agencies toll-free at 1-888-5-OPTOUT (1-888-567-8688), visiting the website at www.optoutprescreen.com, or writing to: Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123, TransUnion, Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505, Experian Consumer Opt Out, P.O. Box 919, Allen, TX 75013.
Accounts subject to additional credit approval. To qualify for approval, you must meet SoFi’s pre-established underwriting requirements, including verification of sufficient income to support your ability to pay. We will not extend you credit if you do not meet our pre-established criteria. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. If approved for a SoFi Credit Card, your credit access line will be at least $500. Your eligibility for a SoFi Credit Card Account or a subsequently offered product or service is subject to the final determination by SoFi Bank, N.A., as issuer, pursuant to license by Mastercard® International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Please allow up to 30 days from date of submission to process your application. The card offer referenced in this communication is only available to individuals who are at least 18 years of age (or of legal age in your state of residence), and who reside in the United States.
†See Pricing, Terms & Conditions
2Members earn 2 rewards points for every dollar spent on purchases. No points will be earned with respect to reversed transactions, returned purchases, or other similar transactions. When you elect to redeem points for cash deposited into your SoFi Checking or Savings account, SoFi Money® account, SoFi Active Invest account, or as a payment to your SoFi Personal, Private Student, Student Loan Refinance, or as a statement credit to your SoFi Credit card account. Your points will redeem at a rate of 1 cent per every point. Brokerage and Active investing products offered through SoFi Securities LLC, member FINRA/SIPC. SoFi Securities LLC is an affiliate of SoFi Bank, N.A. See Rewards Details for more information.
3Offer Terms: 0% Introductory APR on purchases for the first 15 months from the opening of your SoFi Unlimited 2% Credit Card account. After that, your purchase APR will return to a variable 20.24%-29.99% based on your creditworthiness. 0% Introductory APR on Balance Transfers for the first 15 months from the date of first transfer when transfers are completed within 60 days of account opening. After that, your APR on the transferred balance will return to a variable 20.24%-29.99% based on your creditworthiness. The maximum amount you may use for Balance Transfers will not exceed 75% of your total Credit Limit. Allow up to 24 hours for each Balance Transfer to be reflected on your account. SoFi shall assess a Balance Transfer Fee equal to the greater of $10 or 5% of the Balance Transfer. Must make minimum payments and keep your account in good standing. One late payment will result in the loss of the Introductory APR for purchases and Balance Transfers.
Promotion Period: This offer is valid between 4/18/2024 and 4/30/2024. You must open a new SoFi Unlimited 2% Credit Card account by 4/30/2024 by 11:59 pm PT in order to be eligible for this offer.
Eligible Participants: Only new SoFi Unlimited 2% Credit Card members that receive this e-mail offer addressed to their e-mail address are eligible for this one-time offer. This offer may not be transferred. Limit one offer per account. Members who have previously opened a SoFi Credit Card account are not eligible for this offer.
5Terms, and conditions apply: The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx.
When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.
Eligibility:
You must be a SoFi registered user.
You must agree to SoFi’s privacy consent agreement.
You must book the travel on SoFi’s Travel Portal reached directly through a link on the SoFi website or mobile application. Travel booked directly on Expedia’s website or app, or any other site operated or powered by Expedia is not eligible.
You must pay using your SoFi Credit Card.
SoFi Member Rewards: All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: https://www.sofi.com/rewards/
Terms applicable to Member Rewards: https://www.sofi.com/terms-of-use/#rewards
Additional Terms:
Changes to your bookings will affect the Rewards balance for the purchase.
Any canceled bookings or fraud will cause Rewards to be rescinded.
Rewards can be delayed by up to 7 business days after a transaction posts on Members’ SoFi Credit Card ledger.
SoFi reserves the right to withhold Rewards points for suspected fraud, misuse, or suspicious activities.
6Certain World Elite Mastercard® Benefits have additional terms and conditions, which can be accessed through the World Elite Mastercard® Benefits portal. Please see your guide to benefits guide to benefits for details or call 1-800-MASTERCARD.
7Mastercard ID Theft Protection™: This World Elite Mastercard® Benefit comes at no additional cost. Cardholders need to register for this service. To activate your alerts benefit, visit mastercardus.idprotectiononline.com and enter your card number to start the registration process. Certain terms, conditions, and exclusions apply. This service is provided by Generali Global Assistance, Inc. Please see your guide to benefits for details or call 1-800-MASTERCARD.
8Cell Phone Protection: The use of your SoFi Credit Card comes with $1,000 in yearly cell phone protection coverage ($800 max per claim, 2 claims per year) should your cell phone get stolen or need certain repairs. Please see your guide to benefit for details or call 1-800-MASTERCARD.
**Factors considered in determining whether a customer has excellent credit include, but are not limited to, whether a customer has defaulted on a loan in the past 7 years, has had more than 5 years of on-time payments on their loans and credit cards, and has not been more than 30 days late on any payment in the last year. These factors are intended as guidelines and not as firm criteria for approval as you may meet these criteria and still be declined. Additional factors from your application and credit history will also be considered.
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