SoFi Credit Card, Get $300 Bonus with $3K Spend (Targeted)

sofi card $300 bonus

SoFi Credit Card, Get $300 Bonus with $3K Spend (Targeted)

The SoFi Credit Card, launched in 2021, helps incentivize healthy financial habits with a unique rewards structure to allow people to reach their financial goals. Members can redeem their cash back rewards directly into SoFi Invest to trade stocks, ETFs or trade crypto, pay off a personal loan held with SoFi, or add cash directly into their high-yield Checking & Savings account. Now some customers are targeted for a new signup bonus of up to $300. Check out the details below.


In order to receive the $300 bonus, your SoFi Credit Card account must be in good standing and you must spend $3,000 or more within 90 days of account opening.

You will receive your bonus as 30,000 SoFi rewards points, which are worth $300 when redeemed into SoFi Checking and Savings, SoFi Money, SoFi Invest, Crypto, SoFi Personal Loan, SoFi Private Student Loan or Student Loan Refinance and are worth $150 when redeemed as a SoFi Credit Card statement credit.

Allow 45 days from qualifying for the bonus for the points to be posted to your SoFi account. See rewards details at for more information on eligible purchases.

Card Details

The SoFi Credit Card carries no annual membership fee and is the only card that incentivizes cardholders to make on-time payments with a 1% annual percentage rate reduction after 12 consecutive on-time payments, with the reduced rate sustained with continued on-time payments.

  • Earn 2% unlimited cash back when you redeem it to save, invest, or pay down an eligible SoFi loan
  • No annual fee.
  • Get rewarded for spending on popular brands:
    • Take five rides in a month, and get a $10 Lyft credit.
    • Earn 5% cash back rewards on orders for use on future purchases.
    • Get unlimited free two day shipping and free return shipping on purchases with ShopRunner
  • Mastercard World Elite Benefits

Guru’s Wrap-up

The SoFi credit card is a 2% cash back card with no annual fee. Now you can earn a $300 bonus when you apply through the targeted email, and spend $3,000 or more. This offer is possibly targeted to customers who still have the original SoFi Money account which has no ATM fees worldwide.

To redeem the points for $300 worth of cash, you need to redeem into your SoFi Checking & Savings account among other options. If you don’t have an account, you can also earn another $300 bonus when you open one. 

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1 thought on “SoFi Credit Card, Get $300 Bonus with $3K Spend (Targeted)”

  1. I got targeted for this when I logged into the mobile app, but now I can’t find the offer. I’ll take the $300 for $3k spend over 3% for a year, any day.

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