Beta

Every feature is free during beta. No credit card, no catch.

Skip to content
RewardZ Travel
All Cards
Verified May 2026

SoFi Everyday Cash Rewards

SoFi|Personal
/5
Annual Fee
$0
Sign-Up Bonus
None publicly advertised
Bonus Value
$0

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

View Offer
Is this card worth it?
Annual fee
$0
Welcome offer
None publicly advertised
Est. value
$0

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

View Offer

Earning Rates

3x
dining
3x
travel sofi portal
2x
groceries
1x
other

SoFi Everyday Cash Rewards

SoFi

Not enough context

Not enough context to say

Nothing we know about this card and about you decides it either way. The unknowns below are the reason, and each one names what would settle it.

What we still do not know (3)

  • spend-categories
    Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.
  • held-cards
    Which cards are currently carried? Without that list we cannot say whether this one duplicates a card already held.
  • tracked-objectives
    Which trip is being saved toward? A tracked trip is what turns this card's currency into a concrete gap it could close.

Ecosystem fit

NO_TRANSFER_ECOSYSTEM

This card's rewards do not transfer to any airline or hotel program in our graph.

Portfolio overlap

HOLDINGS_UNKNOWN

We do not know which cards you hold, so we cannot say whether this one duplicates anything.

Saved-trip relevance

NO_TRACKED_OBJECTIVES

You track no saved trip, so there is no goal for this card to move toward.

Earn fit

ASK_SPEND_CATEGORIES

We need to ask before we can answer this

Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.

We hold no category spending data for you, and we will not estimate one. Until this is answered, this card's earn rates are facts about the card, not a fit for you.

Verified economics

VERIFIED
$0 annual feeIssuer check 2026-05-24

No publishable welcome offer (no-current-offer).

Computed 2026-08-25T22:26:48.118Z from the facts above. This is a request-time answer, not something we monitor for you.

Earning rates

4
  • 3%
    dining

    3% unlimited cash back on eligible dining (restaurants, cafes, bars, fast food, bakeries, DoorDash, Uber Eats)

  • 3%
    travel

    3% cash back on travel booked through the SoFi Travel Portal (powered by Expedia)

  • 2%
    dining

    2% unlimited cash back on eligible grocery purchases (grocery stores, online grocery delivery, convenience stores)

  • 1%
    everything else

    1% unlimited cash back on all other eligible purchases, no caps, no minimums to redeem

Statement credits

1
  • 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

Travel & purchase protections

1
  • World Mastercard benefits: Mastercard ID Theft Protection (registration required) and Zero Fraud Liability
More benefits & fine print (3)Show
  • 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
  • Best used as the everyday-category complement to the flat-2% SoFi Unlimited 2% Cash Rewards card inside the SoFi ecosystem

Before you decide, weigh alternatives

This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.

Compare cards side by sideBrowse all cards
How we verified this card (4 sources)Show

Spotted something off? Report an issue. Read our verification methodology.

See the Current Offer

Earn None publicly advertised

View Offer

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

Use this for a trip

Have a trip in mind?

Start a trip search to see how many points a specific award costs and how this card's welcome bonus and transfer partners help close the gap. Nothing is booked and no availability is checked.

Start a trip search
Affiliate disclosure: Some links on this page are affiliate links. We earn a commission if you click and complete a qualifying action (sign up, book, buy points), at no extra cost to you. We only feature offers we'd use ourselves. Full disclosure.