SoFi Smart Card review
Updated October 14, 2026 · SumCue Editorial Team · Facts checked October 14, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
The SoFi Smart Card is a secured credit card linked to an eligible SoFi Checking and Savings account. Applicants must meet SoFi’s eligibility requirements and receive approval, and the card balance must be paid in full each month.
Key facts
Pros and cons
Pros
- The card is tied to an existing SoFi Checking and Savings account.
- The issuer says the card can be used wherever its card network is accepted.
Cons
- It is limited to eligible SoFi account holders and requires monthly full payment.
Who it suits
- Individual SoFi Checking and Savings account holders who meet the issuer’s criteria.
Who should look elsewhere
- People without an eligible SoFi account or seeking revolving repayment.
How SoFi Smart Card compares
Where SoFi Smart Card is available
- Available
- United States
- Licence in United States
- Office of the Comptroller of the Currency, checked September 26, 2026
- Licence in United States
- FDIC (FDIC cert 26881), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What type of card is the SoFi Smart Card?+
SoFi identifies it as a secured credit card backed by a SoFi Checking and Savings account.
Who may apply?+
It is offered to individual SoFi Checking and Savings account holders, subject to eligibility and approval.
How is the balance repaid?+
SoFi says the Smart Card balance must be paid in full each month.
Which company operates SoFi Smart Card?+
SoFi Smart Card is operated by SoFi Bank, National Association. (Source, checked September 26, 2026)
Where is SoFi Smart Card based?+
SoFi Smart Card is based in United States. (Source, checked September 26, 2026)
When was SoFi Smart Card founded?+
SoFi Smart Card was founded in 2011. (Source, checked September 26, 2026)
Sources
- banks.data.fdic.gov/bankfind-suite/bankfind/details/26881 checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“CERT=26881; NAME=SoFi Bank, National Association; WEBADDR=www.sofi.com; ACTIVE=1”
- en.wikipedia.org/wiki/SoFi checked September 26, 2026
Backs: Audience, Card kind, Card type, Features, Founded, Monthly fee, Rewards type
“it operates a direct bank serving retail customers and businesses”
Compiled from 2 source pages, checked October 14, 2026. We did not open an account.
Not confirmed yet: Annual fee, APR, Currency conversion fee.
SoFi Smart Card
Eligible SoFi account holders seeking a secured credit card connected to their checking and savings account.