SoFi BankESSENTIAL CREDIT CARDRegistry illustration · issuer artwork unavailable
ESSENTIAL CREDIT CARDSoFi Bank · N bank, CA · FDIC 26881
Last observed Oct 14, 2026Official issuerCredit card · ConsumerFiled as “SOFI ESSENTIAL CREDIT CARD”
Purchase APR
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Balance transfer
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Cash advance APR
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Annual fee
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Foreign fee
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Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | — | no source read | |
| APR for balance transfers | — | no source read | |
| APR for cash advances | — | no source read | |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | — | no source read | |
| Transaction fees | |||
| Cash advance | — | no source read | |
| Balance transfer | — | no source read | |
| Foreign transaction | — | no source read | |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |
| Cash back | 3% cash back. Payment timing is not disclosed. Members can earn 3% cash back Rewards Points for every dollar spent for SoFi Travel purchases. No rewards points will be earned with respect to reversed transactions, returned purchases, or other similar transactions. When you elect to redeem rewards points toward active SoFi accounts, including but not limited to, your SoFi Checking or Savings account, SoFi Money® account, SoFi Active Invest account, SoFi Automated Invest account, SoFi Credit Card account, SoFi Personal Loan, Private Student Loan, Student Loan Refinance, or toward SoFi Travel purchases, your rewards points will redeem at a rate of 1 cent per every point. For more details, please visit SoFi Bank, National Association · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Members can earn 3% cash back Rewards Points for every dollar spent for SoFi Travel purchases. No rewards points will be earned with respect to reversed transactions, returned purchases, or other similar transactions. When you elect to redeem rewards points toward active SoFi accounts, including but not limited to, your SoFi Checking or Savings account, SoFi Money® account, SoFi Active Invest acc…”SoFi Bank, National Association · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |