SoFi Credit Card — $200 Sign-Up Bonus (2026 Review)
Key Benefits
- No annual fee
- 2% cash back on everything
Overview
The SoFi Credit Card is currently offering $200 after $1,500 in purchases within 3 months. There's no annual fee, which makes the $200 bonus close to pure profit if you can hit the spend organically. Estimated net year-one value: $200 based on a 100.0¢ per-point valuation.
Who This Card Is For
Anyone with steady monthly spend who wants a $200 bonus with no annual-fee drag and no requirement to "make the math work" on a fee.
How to Maximize the Sign-Up Bonus
To hit the $1,500 requirement in 3 months, you need about $500 per month in organic spend on this card. Route any predictable monthly bills you'd otherwise pay from a debit card — utilities, groceries, gas, streaming subscriptions — through the SoFi Credit Card until you've earned the $200 bonus. Mind your issuer rules: check the issuer's velocity rules before applying. Track the SUB cycle in Stacks OS so you can downgrade or cancel before the next AF posts if the card stops earning its keep.
Pros
Cons
How This Compares
Among Sofi personal cards in our catalog, the SoFi Credit Card is the only active SUB option, so the comparison is mostly against other issuers' equivalents at the same fee tier.
Frequently Asked Questions
What's the current SoFi Credit Card sign-up bonus?
As verified directly from the issuer offer page, the current bonus is $200 after spending $1,500 on purchases within 3 months of account opening.
What's the SoFi Credit Card annual fee?
There is no annual fee on the SoFi Credit Card.
How long does the SoFi Credit Card sign-up bonus take to post?
Once you cross the $1,500 spend threshold, the bonus typically posts within 1–2 statement cycles — call it 6–8 weeks from the day you hit the requirement. Track the milestone in Stacks OS Spending so you don't miss the deadline.
Get a personalized bonus sequence, requirement tracking, and deadline reminders — all in one place.
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Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.