The SoFi is a personal credit card from SoFi. Application typically pulls a hard report from Experian. The annual fee is $0 — no annual fee. The ongoing APR is 18.49% to 28.99% after a 10.99% introductory rate for 6 months. Approval typically requires a credit score of 670 or higher. Rewards: Earn 2% cash back on all purchases. Earn 3% cash back on trips booked through SoFi Travel.. Cash back: 2% Cashback. This product reports activity to your personal credit report. Pre-qualification available (soft pull) | EXPERT REFERENCE (Jan 2026): Approved 4 months post-bankruptcy with mid-600s FICO score. | EXPERT REFERENCE (Jan 2026): $2,000 and $3,000 approval limits reported. | EXPERT REFERENCE (Jan 2026): No annual fee, no over-limit fees, returned payment fees, or foreign transaction fees. | EXPERT REFERENCE (Jan 2026): Earns unlimited 3% cash back rewards when booking through SoFi Travel. | EXPERT REFERENCE (Jan 2026): Reports to all three credit bureaus.