SoFi · Mastercard World Elite · Personal
SoFi Unlimited 2%
A $120-a-year card earning cash back: 3× on 3 categories, 2× on everything else.
- Annual fee
- $120Charged every year
- Signup bonus
- NoneNo signup bonus listed
- Top rate
- 3×3 categories
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus None listed | $0 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee Charged each year | −$120 | −$120 |
| NetYear one includes the bonus · at your inputs · our estimates* | −$120 | −$120 |
Earning structure
4 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Airfare (Portal) | 3× | $3.00 | |
| Car Rentals (Portal) | 3× | $3.00 | |
| Hotels (Portal) | 3× | $3.00 | |
| All Other | 2× | $2.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $120
- Card type
- Personal
- Network
- Mastercard World Elite
- Bank
- SoFi
- Point system
- Cash back
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Benefits1 · 0 high value
- Cell Phone Protections Cell phone protection
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 SoFi Unlimited 2% |  SoFi Everyday Cash Rewards |  Expedia Group One Key+ |  Southwest Rapid Rewards Plus | |
|---|---|---|---|---|
| Annual fee | $120 | $0−$120 | $99−$21 | $99−$21 |
| Signup bonus | None | None | $350 | 50,000 pts |
| Top rate | 3×3 categories | 3×4 categories | 3×7 categories | 2×10 categories |
| Travel value * | –Cash back | –Cash back | 0.9¢One Key | 1.28¢Rapid Rewards |
| Why it’s here | This card | Same issuer, at no annual fee | An annual fee within $100 | An annual fee within $100 |
Starting February 23, 2026, a $10 monthly fee will be added to your credit card account. This will help us continue to provide the benefits, protection, and service that our members expect from SoFi. Please contact us at SoFi.com, by chat or by calling us by February 23, 2026 if you would like to close your credit card account and avoid the $10 monthly fee.
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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