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Mastercard0/4 on file
Annual fee: issuer restricts access
SoFi · Mastercard

SoFi Essential Credit Card

Credit Building

The SoFi Essential Credit Card is a Mastercard from SoFi. SoFi's site does not let us read its terms, so we leave the annual fee blank — check it on SoFi's own site. Here is what we hold on it, and what we do not.

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Opens SoFi’s site

Bank with branches in: California (3), Utah (1). Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the SoFi Essential Credit Card, exactly as recorded.

Annual fee
Not confirmedIssuer restricts access — check their site
Supplementary card
Not confirmed
Foreign transaction
Not confirmedIssuer restricts access — check their site
Purchase APR
Not confirmedIssuer restricts access — check their site
Income requirement
Not confirmed
Network
Mastercard
Credit needed
Not confirmed
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the SoFi Essential Credit Card. That may mean there isn’t one, or simply that we have not recorded it — SoFi’s own page is the place to check.

Issuer restricts access — check their site
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the SoFi Essential Credit Card. Rather than print a multiplier we cannot source, this stays blank until SoFi’s own terms give us one.

Issuer restricts access — check their site
Next step

Ready to apply for the SoFi Essential Credit Card?

You'll finish the application on SoFi's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens SoFi’s site
Questions

Questions about the SoFi Essential Credit Card

How much is the SoFi Essential Credit Card annual fee?

SoFi's site restricts automated access, so we could not read the SoFi Essential Credit Card's annual fee and do not print one. Check the current annual fee on SoFi's own site before you apply.

What does the SoFi Essential Credit Card earn?

SoFi's site restricts automated access, so we could not read the SoFi Essential Credit Card's earn rates and do not print a multiplier. Check them on SoFi's own site.

What network is the SoFi Essential Credit Card on?

The SoFi Essential Credit Card runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the SoFi Essential Credit Card available in United States?

Yes — the SoFi Essential Credit Card is issued by SoFi and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

How current is this SoFi Essential Credit Card information?

No figure we hold for the SoFi Essential Credit Card has been checked against a published document yet, so we show no check date. SoFi's site restricts access, so we could not check: annual fee, foreign transaction fee, purchase APR, earn rates and welcome offer. Everything on this page comes from what we hold in our catalogue; confirm the fee, offer and terms with SoFi before you apply.