Cardflare

SoFi Smart Card

SoFi

Key facts

  • Annual fee$0
  • RewardsCash back
  • Everything else earns0% back
  • Minimum credit scoreNot stated

The issuer states no minimum credit score for this card.

Earn rates

One flat rate: 0% back on purchases. The catalog records no bonus categories for this card.

Rates with conditions

  • 5% back on Groceries — Grocery stores only (not superstores (Walmart, Target), warehouse clubs (Costco, Sam's Club), convenience stores, grocery delivery services, meal-kit delivery services)

Signup bonus

The catalog records no public signup bonus for this card.

Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with SoFi; the card name is its owner's trademark.

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