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SoFi Everyday Cash Rewards Credit Card
SoFi

SoFi Everyday Cash Rewards Credit Card

A no-annual-fee cash back card from SoFi.

Cash back only
Annual fee
No annual fee
Welcome bonus
No standing welcome bonus (offers vary by applicant)
Min spend
N/A
Recommended credit
Good to Excellent (700+)
Network
Mastercard
Apply on SoFi site7.1/10Our rating · review ›

Rates, fees, and full terms are set by SoFi and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: credit card application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on dining and groceries.

⚠ Think twice if

your spending is spread evenly, where a flat-rate card would likely earn you more.

Earning rates

3% cash back on dining, including food delivery
2% cash back at grocery and convenience stores
3% cash back on travel booked through SoFi Travel
1% cash back on all other purchases

Best ways to earn & redeem

Put your dining and groceries spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

No annual fee

Alternatives to the SoFi Everyday Cash Rewards Credit Card

Pairs well with

The SoFi Everyday Cash Rewards Credit Card earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the SoFi Everyday Cash Rewards Credit Card lands.

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