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SoFi Bank

Product terms with exact source passages
TermValueSource
APR for purchases—
APR for balance transfers—
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Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Annual fee—
Transaction fees
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Purchase rewardsNot disclosed2 points per $1. See source conditions for eligible purchases.SoFi Bank, National Association · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Rewards conditionsPurchase rewardsPoint posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Members earn 2 rewards points for every dollar spent on 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, or SoFi Personal, Private Student, 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, 2026Website