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description SoFi Secured Credit Card Overview

The SoFi Secured Credit Card requires a $100 deposit, which serves as your credit line. It reports to all three credit bureaus and offers 2% cash back on select purchases. SoFi members can also receive credit score monitoring and financial guidance. The card offers a pathway to an unsecured card based on responsible usage.

It's a strong choice for those already using other SoFi financial products or seeking a user-friendly credit-building tool.

help SoFi Secured Credit Card FAQ

What is SoFi Secured Credit Card?
The SoFi Secured Credit Card requires a $100 deposit, which serves as your credit line. It reports to all three credit bureaus and offers 2% cash back on select purchases. SoFi members can also receive credit score monitoring and financial guidance. The card offers a pathway to an unsecured card based on responsible usage. It's a strong choice for those already using other SoFi financial products or seeking a user-friendly credit-building tool.
How good is SoFi Secured Credit Card?
SoFi Secured Credit Card scores 8.5/10 (Very Good) on Lunoo, making it a well-rated option in the Service category.
What are the best alternatives to SoFi Secured Credit Card?
How does SoFi Secured Credit Card compare to SimpliFi Secured Credit Card?
See our detailed comparison of SoFi Secured Credit Card vs SimpliFi Secured Credit Card with scores, features, and an AI-powered verdict.
Is SoFi Secured Credit Card worth it in 2026?
With a score of 8.5/10, SoFi Secured Credit Card is highly rated in Service. See all Service ranked.

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