Find the latest SoFi bonuses, promotions, and offers here.
You’ll find multiple products includes SoFi Banking, Active Investing, and Loan Products with current offers and bonuses of $100, $325, and more!
Update 3/25/25: The rate has decreased to 3.80% APY from 4.00%. The $325 offer has been extended through 1/31/26. You can earn up to $325 bonus with SoFi Checking & Savings with Direct Deposit. You can now earn a $100 Fanatics bonus when you open a checking & savings account.
About SoFi Bonuses Review
SoFi is an online finance company that provides multiple products such as student loan refinancing, mortgages and personal loans.
The company was started in 2011 and had a vision to provide more affordable options for those dealing with debt to fund their education. SoFi doesn’t just let anyone open an account.
They examine free cash flow, professional history and education in addition to a history of responsible bill payment to evaluate its borrowers to ensure members have a high likelihood of making their payments.
I’ll go over all SoFi bonuses & offers below.
SoFi $325 Checking & Savings Bonus
Earn more on your money with 3.80% APY and up to a $325 bonus when you direct deposit into a SoFi Checking and Savings Account. Plus, pay no account or overdraft fees, get 2-day-early-paycheck, and more.
- What you’ll get: $325 bonus
- Availability: Nationwide (Online)
- Direct Deposit Required: Yes
- Monthly Fees: $0
- How to earn it:
- Open a SoFi Checking and Savings Account
- For a limited time, get $25 when you sign up for a SoFi Checking & Savings account and deposit at least $10.
- Get an additional $300 with qualifying activity. In order to qualify for the bonus, an Eligible Participant must have $1,000 or more in total qualifying Direct Deposit transactions within any consecutive 30-day window during the Promotion Period.
(Visit SoFi to learn more)
| Total Qualifying Direct Deposit Amount | Cash Bonus |
| $1,000.00 – $4,999.99 | $50 |
| $5,000 or more | $300 |
SoFi Credit Card 2.2% Cash Back
What you’ll get: Extra 10% cash back of the 2% cash back. Making this 2.2% cash back credit cardd.- Availability: Nationwide (Online)
- Account Type: Credit Card
- Features & Benefits:
- 2% unlimited cash back
- No annual fee
- Lower APR when you pay on time
- Smart spending and budgeting tools
- How to earn it:
- Apply for the SoFi Credit Card in less than 2 minutes.
- Get approved.
- Get $50 in reward points toward your financial goals
(Visit SoFi to learn more)
SoFi $25 Invest Bonus
Get $25 worth of your favorite stock to start building your portfolio when you fund your SoFi Active Invest account with at least $100.
- What you’ll get: $25 bonus
- Availability: Nationwide (Online)
- Account Type: SoFi Invest
- How to earn it:
- Pick your free stock. Choose from over 100 popular stocks like Amazon, Tesla, Disney, Apple, and Nike.
- Open an active investing account with SoFi. The deposit must be the first deposit in the account and for at least $100*.
- Get your Stock Bit. You’ll see your free Stock Bit in your account within ten days.
(Expires 12/31/2022)
Fine Print
- Terms and conditions apply. To receive the offer, you must: open a new SoFi Securities LLC active brokerage account through the signup link you were given, and fund your brokerage account with at least $100 in one deposit. The offer only applies to new active brokerage accounts. The offer is limited to one per person. The offer expires on 12/31/21. Once conditions are met and the account is opened, you will receive $25 which will be paid in a fractional share (or fractional shares) in a publicly traded company. The number of fractional shares delivered for the bonus will be determined based on the execution price at which SoFi Securities acquires the shares. Please note, given the Welcome Bonus will be paid in the form of a marketable security, the dollar value of the Bonus will change as the price of that security changes, which will result in a change in value of the Bonus provided. SoFi reserves the right to change the form of consideration used to pay the Welcome Bonus at any time without advance notice. Bonus amounts of $600 or greater in a single calendar year may be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer, consult your tax advisor to determine applicable tax consequences. SoFi reserves the right to change or terminate the offer at any time or without notice.
SoFi Checking & Savings $100 Fanatics Bonus
Get $100 off your next Fanatics.com purchase when you open a SoFi Checking and Savings account.
- Direct Link to Offer
- What you’ll get: $100 bonus
- Availability: Nationwide (Online)
- Direct Deposit Required: Yes
- Monthly Fees: $0
SoFi $300 Loan Bonus
Say goodbye to high-interest debt or finance home improvements with $0 fees, low fixed rates, and same day funding. Earn a $300 bonus after your loan funds.
- What you’ll get: $300 bonus
- Availability: Nationwide (Online)
- Account Type: Loan
- About the offer:
- Low Rates. Borrow $5k-$100k with low rates.
- Easy Experience. View your rate online in 60 seconds and receive funds the same day you sign.
- Unemployment Protection. If you lose your job, we can help modify your personal loan payments and help you find a new job.
(Offer Expiration Unknown)
Fine Print
- To receive credit for a referral under the Loan Referral Program, Eligible Loan Referrers must send their unique referral link to an Eligible Loan Recipient, the Eligible Loan Recipient must use their Eligible Loan Referrer’s unique referral link within 120 days after receipt of the Eligible Loan Referrer’s unique referral link, and the Eligible Loan Recipient must meet the terms and conditions of the specific promotional campaign associated with the unique referral link that was used for the referral. Further, in order for the Eligible Loan Recipient to receive their Loan Welcome bonus for a SoFi Personal Loan, the loan must still be an active loan in good standing ninety (90) days after the disbursement date. If the Eligible Loan Recipient uses the Eligible Loan Referrer’s unique referral link and meets the terms and conditions of the specific promotional campaign associated with that unique referral link, SLC or its designee shall pay to (a) the Eligible Loan Referrer, a referral bonus into a SoFi Checking and Savings Account in the amount specified in the promotional campaign associated with the unique referral link that was used for the referral (the “Loan Referral Bonus”); and (b) the Eligible Loan Recipient, a welcome bonus into a SoFi Checking and Savings Account in the amount specified in the promotional campaign associated with the unique referral link that was used for the referral(the “Loan Welcome Bonus”). If either the Eligible Loan Referrer or the Eligible Loan Recipient does not qualify for the SoFi Checking and Savings Account SoFi may offer other payment options at SoFi’s sole discretion. Only one Loan Referral Bonus and one Loan Welcome Bonus will be awarded for each referred Eligible Loan Recipient, regardless of whether the Eligible Loan Recipient takes out multiple Eligible Loans.
SoFi Loan $300 Student Loan Bonus
Looking to save thousands on student loans? You can earn a $300 bonus in SoFi Money when you refinance with SoFi.
- What you’ll get: $300 bonus
- Availability: Nationwide (Online)
- Account Type: Student Loan
- About the offer:
- Serious savings. Save thousands of dollars thanks to flexible terms and low fixed or variable rates.
- Fast, easy, and all online. Simple online application and access to live customer support 7 days a week.
- No fees, no catch. No application or origination fees. No pre-payment penalties.
- Access to member benefits. SoFi members get career coaching, financial advice, and more—all at no cost.
(Offer Expiration Unknown)
Fine Print
- To receive credit for a referral under the Loan Referral Program, Eligible Loan Referrers must send their unique referral link to an Eligible Loan Recipient, the Eligible Loan Recipient must use their Eligible Loan Referrer’s unique referral link within 120 days after receipt of the Eligible Loan Referrer’s unique referral link, and the Eligible Loan Recipient must meet the terms and conditions of the specific promotional campaign associated with the unique referral link that was used for the referral. Further, in order for the Eligible Loan Recipient to receive their Loan Welcome bonus for a SoFi Personal Loan, the loan must still be an active loan in good standing ninety (90) days after the disbursement date. If the Eligible Loan Recipient uses the Eligible Loan Referrer’s unique referral link and meets the terms and conditions of the specific promotional campaign associated with that unique referral link, SLC or its designee shall pay to (a) the Eligible Loan Referrer, a referral bonus into a SoFi Checking and Savings Account in the amount specified in the promotional campaign associated with the unique referral link that was used for the referral (the “Loan Referral Bonus”); and (b) the Eligible Loan Recipient, a welcome bonus into a SoFi Checking and Savings Account in the amount specified in the promotional campaign associated with the unique referral link that was used for the referral(the “Loan Welcome Bonus”). If either the Eligible Loan Referrer or the Eligible Loan Recipient does not qualify for the SoFi Checking and Savings Account SoFi may offer other payment options at SoFi’s sole discretion. Only one Loan Referral Bonus and one Loan Welcome Bonus will be awarded for each referred Eligible Loan Recipient, regardless of whether the Eligible Loan Recipient takes out multiple Eligible Loans.
SoFi $100 Bitcoin (BTC) Bonus
SoFi is offering up to $100 in Bitcoin (BTC) when you trade crypto with SoFi Invest.
- What you’ll get: $100 Bitcoin bonus
- Availability: Nationwide (Online)
- Account Type: SoFi Invest
- How to earn it:
- Earn a bonus (as described below) when you open a new SoFi Digital Assets LLC account and buy at least $50 worth of any cryptocurrency within 7 days.
| First Trade Amount | Bonus Payout |
| $50 – $99.99 | $10 |
| $100 – $499.99 | $15 |
| $500 – $4,999.99 | $50 |
| $5,000+ | $100 |
(Expires 12/31/2022)
Fine Print
- The offer only applies to new crypto accounts, is limited to one per person, and expires on December 31, 2022.
- Once conditions are met and the account is opened, you will receive your bonus within 7 days.
- SoFi reserves the right to change or terminate the offer at any time without notice.
SoFi Up to $5,000 Transfer Bonus
SoFi is offering up to $5,000 bonus when you add money to SoFi Checking and Savings.
- What you’ll get: $50 up to $5,000 bonus
- Availability: Nationwide (Online)
- Account Type: SoFi Invest
- How to earn it:
- Get $50-$1,000 in rewards points by growing your SoFi Checking and Savings account balance by at least $5K between 8/31/22-9/30/22.
| Transfer Amount | Bonus |
| $5,000-$19,999.99 | $50 |
| $20,000-$99,999.99 | $125 |
| $100,000-$249,999.99 | $250 |
| $250,000-$499,999.99 | $500 |
| $500,000-$999,999.99 | $1,000 |
| $1,000,000-$1,999,999.99 | $2,500 |
| $2,000,000 + | $5,000 |
(Expires 09/30/2022)
Fine Print
- Bonuses will be paid into the same account you transferred investments into. Transfers into multiple accounts may not be combined.
- Assets are required to remain in your SoFi account for 180 days.
- SoFi reserves the right to recoup up to the bonus amount from any withdrawals that take place prior to the 180-day period.
- SoFi also reserves the right to change or terminate this promotion at any time without notice.
- Important Tax Information: The value of the reward you receive may constitute taxable income. SoFi Securities LLC may issue a Form 1099 (or other appropriate form) to you that reflects the value of the reward. Please consult your tax advisor. SoFi Securities LLC and its affiliates and associates do not provide tax advice.
SoFi $10 Credit Score Monitoring Bonus
New SoFi members earn $10 in cash rewards (1,000 points!) when you activate Credit Score Monitoring.
- What you’ll get: $10 bonus
- Availability: Nationwide (Online)
- Account Type: SoFi
- How to earn it:
- To receive the Rewards points offer, you must successfully complete setting up Credit Score Monitoring.
| First Trade Amount | Bonus Payout |
| $50 – $99.99 | $10 |
| $100 – $499.99 | $15 |
| $500 – $4,999.99 | $50 |
| $5,000+ | $100 |
(Expires 12/31/2022)
Fine Print
- Terms & conditions apply.
- This offer is only available to new SoFi users without existing SoFi accounts.
- It is non-transferable. One offer per person.
- Rewards points may only be redeemed into SoFi accounts such as cash in SoFi Checking and Savings or loan balances, Stock Bits, fractional shares and cryptocurrency subject to program terms that may be found here: SoFi Member Rewards Terms and Conditions.
- SoFi reserves the right to modify or discontinue this offer at any time without notice.
SoFi Up to $1,000 Bonus
Update 4/17/23: Offer is back for 2023.
No direct link to offer.
Check your emails! Subject line is ‘Earn up to $1,000 when you make a deposit.’
SoFi is offering a bonus of up to $1,000 when you add funds to your account by 9/30/22 and maintain your balance until at least 11/30/22. Bonus tiers are as follows:
- $5,000 – $9,999 and receive $50 in bonus points
- $10,000 – $24,999 and receive $100 in bonus points
- $25,000 – $49,999 and receive $250 in bonus points
- $50,000 – $99,999 and receive $500 in bonus points
- $100,000+ and receive $1,000 in bonus points
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Conclusion
If you are currently interested in a new banking experience, then these promotions & bonuses from SoFi could be for you. SoFi offers a unique selection of services often with great bonuses and incentives. Take advantage of whichever accounts fit your needs!
Be sure to check out our best rates Savings, Money Market, and CD accounts below.
If you’re looking for different bonuses, use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more to compare to SoFi bonuses and offers.
Check back often for more SoFi Bonuses, Promotions, or Offers!
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