Premium APY boost
Members unlock a boosted annual percentage yield on eligible SoFi savings balances — so the money you park works harder every single day.
Independent 2026 review
One membership. $1,000+ in potential value.
SoFi Plus bundles SoFi's best perks into a single premium membership — a boosted savings rate, enhanced cash back, and discounts on loan rates. Here's the honest breakdown before you decide.
No hype — sourced from SoFi's own terms
3-minute read
Member benefits
Three ways the membership pays you back
Cash back rewards
Earn enhanced cash back on everyday spending with the SoFi credit card, plus bonus rewards across the SoFi ecosystem.
Loan rate discounts
Planning to borrow? SoFi Plus members can access rate discounts on eligible personal, student, and home loans.
How it works
Three steps to membership
01
Visit the SoFi Plus page
Click any button on this page to head to the official SoFi Plus site and see the current offer.
02
Check your eligibility
Review the membership terms and the products the benefits apply to. Approval is subject to eligibility.
03
Start stacking value
Once you're a member, the APY boost, rewards, and discounts apply across your qualifying products.
Why it resonates
Banking that fits around your life — not the other way around
SoFi built its reputation on no-fee, mobile-first banking. SoFi Plus is the natural next step: instead of chasing sign-up bonuses across five apps, members consolidate savings, spending, and borrowing in one place — and get rewarded for it.
- One app for saving, spending, investing, and borrowing
- Benefits apply automatically once you're a member
- Transparent terms published on the official SoFi site
The member math
Standard vs. SoFi Plus
BenefitStandardSoFi Plus
Savings rateBase APYPremium APY boost
Everyday spendingStandard rewardsEnhanced cash back
Loan pricingStandard ratesMember rate discounts
Estimated member value—$1,000+ in value
Value figure is SoFi's own estimate and varies with usage. Benefits are subject to change, eligibility, and credit approval. Always verify current terms on the official site.
Questions
Good to know first
Straight answers, no fine-print gymnastics.
SoFi Plus is SoFi's premium membership tier. It bundles the company's best rewards — a premium APY boost on savings, enhanced cash back, and loan rate discounts — into one subscription.
It's SoFi's estimate of the combined annual value of the membership's benefits. Your actual value depends on your balances, spending, and which products you use — it is illustrative, not guaranteed.
No. Like any financial product, accounts and loans are subject to eligibility requirements and credit approval. Nothing on this page guarantees approval or earnings.
This is an independent review page. We may earn a commission if you sign up through our links, at no extra cost to you. Always confirm current terms on the official SoFi site.
Ready to see what your money could be earning?
The full benefit breakdown, current rates, and membership terms are on the official SoFi Plus page.
Visit SoFi Plus