
What Is SoFi, and Are Its Credit Cards Right for You?
SoFi’s cards are most valuable for members who have accounts with the company.


SoFi’s cards are most valuable for members who have accounts with the company.


It earns solid rewards on everyday spending, but given the airline's limited footprint — and the card's limited perks — it's not a practical choice for most.




By making purchases with the card, you can also earn points on your mortgage payments.


The Bilt credit cards require lots of maintenance in order to extract maximum value from them. That work begins more or less immediately.



They're uniquely complex products, which can turn all but the most dedicated credit card optimizers away.


The update makes it easier for customers to join, but existing credit card holders may see reduced rewards bonuses.


Unlike an unsecured credit card, this one is tied to a home equity line of credit.


Their guardrails make them a better choice than other 'fee-harvester' cards for bad credit, but they can still be costly over time.




Sometimes, closing the account may be the best move. But before you do, make sure you understand the new benefits, the timing of the changes, and the potential credit score impacts.


This card’s baseline cents-per-gallon discount isn’t competitive, though you can increase that discount if you spend enough.


This credit card is a poor option for car-related expenses. It doesn’t earn any rewards, and its financing offer comes with a potentially costly caveat.


Reward programs are growing ever more complex, while AI and Gen Z will begin exerting even more influence on the market.



