Is the SoFi Unlimited 2% Credit Card worth a spot in your wallet?

The honest math on the SoFi Unlimited 2% Credit Card: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy.

SoFi Bank, N.A. · No annual fee · cash back

Waitlist only — not open to new applicants today.

Earning rates

2x Everything (2 points per dollar)
3x SoFi Travel bookings (3 points per dollar)

Protections and perks (1)

Cell Phone Protection — Up to $800 per claim for damage or theft when you pay your monthly cell phone bill with the card ($50 deductible).

Card data verified against SoFi Bank, N.A. on 2026-08-23.

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