SoFi Technologies, Inc. announced the SoFi Smart Card, the best all-in-one account. The account offers better choice and control over spending, attractive rewards, a way to build credit history, and high interest on savings balances. The Smart Card is exclusively available to eligible new SoFi Plus members starting December 10, 2025.
The Smart Card offers the best benefits of checking and savings products, debit cards, and credit cards, all in one account. While people use debit cards to avoid paying interest and spending beyond their account balance, they often miss out on rewards and protections typically offered only by credit cards. That's why this account offers: 5% unlimited cash back rewards at grocery stores.
With 5% cash back rewards on grocery store and grocery store delivery purchases using the SoFi Smart Card, members could save over $600 annually based on typical monthly grocery spending.4 The unique offering of high rewards on critical products, such as food, aligns the account's benefits with must-have essentials and avoids incentivizing people to overspend on nonessential goods or services to earn reward points. Up to 4.30% APY on SoFi Savings balances for up to six months. Spending control with a dynamic credit limit based on a member's Checking and Savings account balances.
Opportunities to grow credit scores responsibly with on-time payments and no hard credit pull to apply. $0 fraud liability, issued via Mastercard to provide the protections of a credit card. Fee free access to 55,000+ ATMs worldwide.
Ways to easily send and receive money through person-to-person payments, Zelle, bill pay, worldwide money transfers, and mobile check deposit. Access to complimentaryunlimited financial planning and additional benefits with a SoFi Plus membership. Open a new SoFi Checking & Savings account and enroll in SoFi Plus by 1/31/26.ates variable, subject to change.
Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC. The "all-in-one account" includes the benefits and services of the SoFi Smart Card account, SoFi Checking and Savings account and the SoFi Bank Debit Card. Smart Card is a charge card issued by SoFi Bank, N. A., Member FDIC, that is secured by SoFi Checking and Savings account, a deposit account.
Deposit accounts are FDIC insured while credit products are not. The "best all-in-one account" is based on a SoFi Bank, N. a SoFi review of competitive products that offer debit, credit, and savings features, assessing the APY earned on reserved funds, cash-back rates earned on grocery spend, and applicable fees, among other benefits. This review was based on publicly available data as of December 2025.
Individual assessments and conclusions of the relative value of these components may vary. The SoFi Smart Card is exclusively available to individual SoFi Checking and Savings accountholders who pay for SoFi Plus membership and is subject to application and approval. To qualify for the Smart Card, must meet SoFi's eligibility requirements, including verification of sufficient income to support ability to pay for Smart Card balances.
The company will not extend credit if do not meet pre-established criteria. eligibility for a SoFi Smart Card, or a subsequently offered product or service, is subject to the final determination by SoFi Bank, N., as issuer, pursuant to license by Mastercard®? International Incorporated.
The SoFi Smart Card can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and thecles design is a trademark of Mastercard International Incorporated. The So Wi-back design is a trademark of Master Card can be used everywhere Master card is a registered trademark, and The company's trademark of Mastercard International Incorporation is a registered trademark, andthecles design is a trademark of mastercard International Incorporated.
