Update 12/10/25: SoFi Plus now has an un-avoidable $10/month cost, so there’s now no free way to get the 2.2% rate.
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SoFi 2.2% Card
- SoFi announced today that their 2% cashback credit card will now receive a 10% boost and earn 2.2% for those who have the SoFi checking/savings account with direct deposit.
The 10% boost does not expire and has no limits on how much you can earn. Offer is valid for new or existing card members.
Our Verdict
Getting 2.2% on all purchases is excellent, and gives this card the edge over the various 2% cashback card options. Great deal for those who can deal with the direct deposit requirement. If you are signing up new for the SoFi checking/savings, be sure to get the signup bonus for that as well.
Hat tip to reader MR
