SoFi Unlimited 2% Credit Card, 2% Cash Back, No Annual Fee and Cell Phone Protection
Make the SoFi Unlimited 2% Credit Card work for you with unlimited 2% cash back, cell phone protection and travel-friendly perks
Main benefits at a glance
The SoFi Unlimited 2% Credit Card delivers straightforward value: an unlimited 2% cash back on every purchase with no annual fee. That clear cash-back rate makes this SoFi credit card ideal for everyday spending without worrying about rotating categories or caps.
Cardholders also get cell phone protection, no foreign transaction fees, and Mastercard identity theft protection. For Americans who travel and use their phone on the go, those perks pair well with the predictable 2% cash back and the simplicity of the SoFi app.
Rewards and redemption that work together
Redeeming rewards with the SoFi Unlimited 2% Credit Card is most valuable inside the SoFi ecosystem. Points are worth 1 cent each when deposited into SoFi Checking & Savings or SoFi Invest, which preserves the full 2% effective value of your cash back.
If you prefer statement credits, note that those redemptions drop to a lower value, so plan redemptions strategically. Use the $200 welcome bonus after $2,000 in purchases during the first three months to jumpstart savings or invest that boost through SoFi.
Who should pick this SoFi credit card
This card fits people who want no annual fee, consistent 2% cash back, and extra protection for mobile devices. If you already use SoFi for banking, loans, or investing, the card magnifies rewards value and keeps your money moving inside one platform.
On the other hand, if you need flexible top-dollar statement credits or earn more from rotating category cards, compare options. But for a low-hassle setup and steady returns on every purchase, the SoFi Unlimited 2% Credit Card is a top contender.
Tips to maximize value
Use direct deposit and automate savings to get the most from the SoFi ecosystem; moving cash-back directly into a SoFi savings or investment account preserves 2% value and compounds returns over time. Also plan big purchases during the welcome-bonus window to capture the $200 offer.
Pair the card with responsible habits: pay balances in full monthly to avoid high APR charges, and link the card in the SoFi app to track rewards. The combination of unlimited 2% cash back, cell phone protection, and no annual fee makes this card practical for long-term use and daily spending.
