MASTERCARDMastercard World
SoFi Everyday Cash Rewards
- Annual Fee
- $0
- Top Rate
- 3%
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard World
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Good to Excellent
Earning Rates
- 3%
Dining
3% cash back rewards on dining, including takeout and delivery apps
- 3%
Travel
3% cash back rewards on trips booked through SoFi Travel
- 2%
Grocery Stores
2% cash back rewards at grocery stores and on online grocery delivery
- 1%
All Other
Benefits & Perks
Dining Out
3% cash back at restaurants
$3 back on a $100 dinner
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 3%, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Reviews & Analysis
Details & Terms
Payment Terms
| Purchase APR | 20.24%–32.99% (Variable) |
| Cash Advance APR | 30.74% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| SoFi Official | SoFi Official | |
| SoFi Official | SoFi Official |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
