SoFi Everyday Cash Rewards

Earning Rates

Key Benefits

All Benefits

• 3% unlimited cash back on eligible dining (restaurants, cafes, bars, fast food, bakeries, DoorDash, Uber Eats)
• 3% cash back on travel booked through the SoFi Travel Portal (powered by Expedia)
• 2% unlimited cash back on eligible grocery purchases (grocery stores, online grocery delivery, convenience stores)
• 1% unlimited cash back on all other eligible purchases, no caps, no minimums to redeem
• $0 annual fee
• Issued by SoFi Bank, N.A. on the World Mastercard network
• Currently invite-only / pilot product (launched July 31, 2024); not broadly available to new applicants
• Rewards redeem at 1 cent per point as statement credits or into SoFi Checking & Savings, SoFi Invest, SoFi Travel, SoFi Personal Loan principal, or SoFi Student Loan Refinance principal
• World Mastercard benefits: Mastercard ID Theft Protection (registration required) and Zero Fraud Liability
• Best used as the everyday-category complement to the flat-2% SoFi Unlimited 2% Cash Rewards card inside the SoFi ecosystem
• Not Offered: no transferable points, no airline or hotel transfer partners, no lounge access, no travel credits, no Global Entry / PreCheck credit, no elite status, no trip insurance or cell phone protection disclosed