The SoFi Bank, N.A. is a personal credit card from SoFi Bank, N.A.. Application typically pulls a hard report from Experian. The annual fee is $0. Rewards: Unlimited 2% cash back rewards (2 rewards points per dollar) on all eligible purchases; 3% cash back rewards on trips booked through SoFi Travel; no limits, caps, rotating categories or redemption minimums; points redeem at 1 cent each toward SoFi accounts/loans or as statement credit. Typical credit limit: At least $500 (credit line set by creditworthiness and ability to pay; no maximum published). Loan terms: Revolving personal credit card; due date 25 days after the close of each billing cycle; no interest on purchases if the entire balance is paid in full by the due date; interest on cash advances and balance transfers from the transaction date; minimum interest charge $1.00.