Quick Summary
Key Features
- 2% cashback with direct deposit
- High-yield vaults
Main Advantages
- 2.0% cashback on eligible spend
- Free virtual card issuance
Notable Limitations
- Availability limited to a small number of regions
- Terms change often — the provider's live numbers are final
The cards
Every format SoFi issues — pick the one that fits how you spend.
1Can I get this card?
Supported Countries Map — powered by our availability data.
SoFi: Reported in 1 country across 1 region (United States).
Coverage reported by the provider — the exact applicant list is confirmed in-app.
2What does it cost?
Every fee we could verify for the SoFi card.
Fees verified October 13, 2026 from public web sources. Fees change often — always confirm the app's live numbers before signing up. This page is for information only, not financial advice.
| Fee | SoFi |
|---|---|
| Issuance fee | $0 |
| Monthly fee | $0 |
| FX fee | Varies by region — confirm in-app |
3What do I get?
Perks, rewards and capabilities that come with the card.
| Category | Benefit |
|---|---|
| Rewards | 2.0% cashback on eligible spend |
| Rewards | 2% cashback with direct deposit |
| Perks | High-yield vaults |
4What do they need from me?
What you will have to provide or meet to get and use the card.
| Requirement | What it means |
|---|---|
| Identity check | ID verification required — verify your identity in the app before ordering |
| Funding | You will need a way to load the card: bank transfer, direct deposit, Apple Pay, Google Pay |
| Age | You must be 18 or older to apply |
Card specs
| Feature | SoFi |
|---|---|
| Virtual card issuance | $0 |
| Monthly / annual fee | $0 |
| Card network | Mastercard |
| Card type | Virtual |
| KYC | ID verification required |
| Top-up methods | bank transfer, direct deposit, Apple Pay, Google Pay |
| Supported assets | — |
| Regions | United States |
Rating breakdown
Pros & cons
Pros
- 2% cashback with direct deposit
- High-yield vaults
Cons
- Availability varies by region — confirm in-app
- Fees may change — check live numbers
Frequently asked questions
How much does the SoFi virtual card cost?
The virtual card issuance fee is listed as $0. No issuance fee. Fees change often — confirm in the app.
Which countries support SoFi?
SoFi is available in: United States. United States only.
Does SoFi require KYC?
ID verification is required for this platform based on our research. Requirements can vary by region — check the app for your country.
What can I top up the SoFi card with?
Supported top-up methods: bank transfer, direct deposit, Apple Pay, Google Pay.
Our verdict
SoFi scores 7.3/10 in our rating system. 2% cashback debit
Get the SoFi card
Apply directly with the provider — check current fees and availability for your country in their app.
Visit SoFi's official site →Fees verified October 13, 2026. Always confirm live numbers in-app.