SoFi Unlimited 2%

This card is built for people who want uncomplicated cash-back value on everyday spending. The SoFi Unlimited 2% is an everyday card first, offering a flat 2% back on every purchase with no annual fee and no category tracking.

Annual Fee

Rec. Credit Score

Good

Good For

Simple flat-rate cash back

How to Apply Estimate your value

All information about SoFi Unlimited 2% has been collected independently by MaxRewards. SoFi Unlimited 2% is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the SoFi Unlimited 2% worth it?

This card is great for...

General everyday spending

One-card simplicity

No-fee cash back

Yes, if your priority is keeping things simple. A flat 2% return on everything is easy to understand, easy to use, and strong enough to work well for groceries, bills, online shopping, dining, and all the other purchases that do not fit neatly into bonus categories.

This card makes the most sense for someone who wants one straightforward everyday card or a reliable fallback card for purchases that earn less elsewhere. The tradeoff is that there are no listed benefits to help it stand out beyond its rewards rate, and there is no welcome bonus right now. If you want travel perks, purchase protections, or a way to earn more in specific spending categories, you will likely want to pair this with another card or choose a more specialized option.

MaxRewards Verdict

The SoFi Unlimited 2% is a strong fit for readers who want steady, no-fee cash back without having to manage categories. Its main limitation is simple: beyond the 2% earn rate, there is little else here to drive extra value.

Earning

Rewards

The rewards setup is the whole point of this card. You earn 2% back in SoFi Rewards on every purchase, so the value is straightforward and consistent across your spending.

CategoryRate

Everywhere

Rewards percent based on a valuation of 1¢ per SoFi Rewards point

Eligibility

Recommended Minimum Credit

Min: Good

Poor

Fair

Good

Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing