SoFi Bank, N.A.
The SoFi offers $139 in annual benefits with no annual fee. Even without a fee to offset, these perks are worth tracking so you actually use them.
$0
Annual Fee
$139
Total Benefit Value
+$139
Net Value
| Benefit | Value |
|---|---|
|
$5 Lyft Credit Receive a $5 monthly Lyft credit when you take the required number of eligible rides within a month (part of Mastercard World Elite benefits). |
$60 |
|
ShopRunner Membership Complimentary ShopRunner membership providing free 2-day shipping and free return shipping at over a hundred online retailers. |
$79 |
|
Instacart+ Free Trial Enjoy a complimentary 2-month free trial of Instacart+. |
Included |
|
Cell Phone Protection Get up to $1,000 of complimentary cell phone insurance coverage against damage or theft when you pay your monthly cell phone bill with the card. |
Included |
|
24/7 Travel Concierge Access to the Mastercard World Elite Concierge for 24/7 assistance with reservations, tickets, and trip planning. |
Included |
|
Zero Fraud Liability Protection Never pay for unauthorized charges with enhanced zero liability fraud protection. |
Included |
|
Mastercard ID Theft Protection Advanced security feature offering identity theft resolution services to protect your personal information. |
Included |
|
1% APR Reduction Rewards responsible usage with a sustained 1% APR reduction after 12 consecutive on-time credit card payments, as long as on-time payments continue. |
Included |
|
No Foreign Transaction Fees Enjoy globetrotting that much more by skipping foreign transaction fees on international purchases. |
Included |
$139
Total benefits
$0
Annual fee
= +$139
Net value
The SoFi has no annual fee, so every benefit is pure upside. The question is not whether it is worth it, but whether you are actually using the perks it offers.
Prky tracks every SoFi Credit Card benefit, sends reset alerts, and shows your real ROI. No card numbers needed.
Track These Benefits FreeThe SoFi Credit Card offers 9 benefits worth approximately $139 per year. Key benefits include ShopRunner Membership ($79), $5 Lyft Credit. The card also includes 3 insurance benefits for added protection.
The SoFi Credit Card is a strong no-annual-fee option with 9 benefits. Since there is no fee to offset, every perk you use is pure value. Highlights include ShopRunner Membership ($79) and $5 Lyft Credit. SoFi stands out by offering 2% unlimited cash back when you redeem into a SoFi account, plus integration with SoFi banking and investing products.
The SoFi has benefits that reset on different schedules: Monthly, Annually, One-Time. 1 benefit reset monthly, so missing even one month means lost value. Prky tracks all reset dates and sends alerts before credits expire.
Yes, the SoFi Credit Card includes 3 insurance benefits: Cell Phone Protection, Zero Fraud Liability Protection, Mastercard ID Theft Protection. These protections are included at no extra cost as part of your cardmember benefits and can save you hundreds on separate insurance policies.
Prky tracks all 9 SoFi Credit Card benefits automatically, including ShopRunner Membership and $5 Lyft Credit. The dashboard shows dollar values, usage status, and upcoming reset dates for each benefit. Benefits reset on monthly, annually, other schedules. You get email alerts before credits expire so nothing goes to waste.
Whether you carry the SoFi Credit Card or five other premium cards, Prky makes sure you use every benefit you are paying for.
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