Contents
- 1 SoFi Promotions Review Below
- 1.1 SoFi Checking & Savings: Up To $300 + Up To 1.25% APY
- 1.2 SoFi Active Investing $25 Sign-Up Bonus
- 1.3 SoFi Credit Card: Unlimited 2% Cash Back + Earn Up To $100
- 1.4 SoFi Personal Loans & Student Loan Refinancing $300 Sign-Up Bonus
- 1.5 Sofi Active Investing $50-$50,000 Transfer Offer (Targeted)
- 1.6 SoFi Invest/Crypto: Up To $100 Bitcoin Bonus
Find updated promotions and offers from SoFi here. Offers are typically available for these products: SoFi Checking & Savings, SoFi Invest, Student Loan Refinancing and Personal Loans. SoFi has a very popular referral program we’ll cover below. Other referral opportunities here.
See our bank offers page for more offers. Top offers can be found from Chase Bank, HSBC Bank, Aspiration, Bank of America and many more.
SoFi Promotions Review Below
SoFi Checking & Savings: Up To $300 + Up To 1.25% APY

SoFi Checking & Savings earns interest and has no account and overdraft fees. Earn more on your money with 1.25% APY and up to $300 cash for opening a SoFi Checking & Savings account and setting up direct deposit into the account.
- Earn up to 1.25% APY: Members with direct deposit can earn 1.25% annual percentage yield (APY) and members without direct deposit will earn 0.70% APY.
- Say goodbye to bank fees: The average American paid $53.79 in bank fees in 2020. We don’t believe in fees, so with SoFi there’s no overdraft fees, no minimum balance fees, and no monthly fees. Plus, 55,000+ fee-free ATMs with Allpoint.
- FDIC insured: Breathe easy knowing your funds are insured up to $250K. (Joint accounts receive $500K in total insurance.)
- 2-day Early Paycheck: Feel the magic of pay day up to two days early – automatically – when you set up direct deposit.
- Cash back, close to home: Get up to 15% cash back at local establishments when you pay with your SoFi debit card.
- Automatic savings features: Organize your money, set savings goals, and save your spare change with Vaults and Roundups.
- No fee Overdraft Coverage: Overspent by accident? No problem. You’ll be covered up to $50 with no fees with qualifying direct deposits.
- Collect a cash bonus of $50 to $300 depending on your direct deposit amount during your 30-day evaluation period:
Total Qualifying Direct Deposit amount in 30-day Evaluation Period | Cash Bonus |
---|---|
$1,000 – $1,999 | $50 |
$2,000-$4,999 | $100 |
$5,000 or more | $300 |
SoFi Active Investing $25 Sign-Up Bonus

Use our referral link to earn $25 worth of your favorite stock when you fund your SoFi Active Investing account with at least $100.
- Pick your free stock. Choose from over 100 popular stocks like Amazon, Tesla, and Disney.
- Open an active investing account with SoFi. Put at least $100 in your active investing account—this triggers your free Stock Bit.
- Get your Stock Bit. You’ll see your free Stock Bit in your account within ten days.
SoFi Credit Card: Unlimited 2% Cash Back + Earn Up To $100

- Unlimited 2% Cash Back: Earn 2% Unlimited Cash Back on all purchases.
- 1% SoFi Statement Credit: Get 1% when redeeming for a SoFi Credit Card statement credit.
- 2% Cash Back in Crypto: You can now also redeem your 2% cash back on all purchases and can redeem it directly into crypto with your SoFi active invest account.
- No Annual Fee: SoFi Credit Union doesn’t charge an annual fee.
- Earn Up To $100: Receive a $50 offer when you open and fund either a SoFi Banking or a SoFi Active Invest account with at least $100 within 30 days of SoFi Credit Card account opening. Or receive a $100 offer when you open both accounts with at least $100 in each account within 30 days of SoFi Credit Card account opening.
SoFi Personal Loans & Student Loan Refinancing $300 Sign-Up Bonus

Use our referral link to earn a $300 sign-up bonus for one of the following products from SoFi.
- Student Loan Refinancing – Get $300 when your loan is funded (use our referral link, thank you!).
- Personal Loans – Get $300 when your loan is funded (use our referral link, thank you!).
Sofi Active Investing $50-$50,000 Transfer Offer (Targeted)
- Some existing customers receive a targeted offer by email to earn a $50 to $50,000 bonus when you transfer investments from another brokerage firm into a taxable SoFi Invest Active Brokerage or Active retirement account (Traditional, Roth, or SEP IRA).
- Bonus amounts are based on the one-time total dollar amount you transfer during the incentive period.
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 |
- All bonuses will be paid into the same account you transferred investments into within 14 business days of the conclusion of the offer period.
- Assets are required to remain in your SoFi account for 180 days following the conclusion of the offer period.
- SoFi reserves the right to recoup up to the bonus amount from any withdrawals that take place prior to the 180-day period.
SoFi Invest/Crypto: Up To $100 Bitcoin Bonus
Earn a bonus when you open a new SoFi Crypto 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-$4999.99 | $50 |
$5000+ | $100 |
- The offer only applies to new crypto accounts.
- The offer is limited to one per person.
- The offer expires on June 30th, 2022.
- 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 without notice.
- Please refer to Form ADV Part II for additional disclosure information regarding related parties.
See more cryptocurrency promotions here, including offers from BlockFi, Coinbase, Voyager, Crypto.com and more. See the top crypto exchanges reviewed here.
You are welcome to post your referral link in the comments section. Compare with the best bank bonuses here (e.g. Chase Bank) and other investment promotions here (e.g. J.P. Morgan and Ally Invest).
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- TradeStation Cash & Crypto Offers
Hi! Here are my referral links to get a $50 bonus (each). Thanks in advance 🙂
SoFi Money: https://www.sofi.com/invite/money?gcp=346505ec-b667-4360-9f34-33db17903b9a
SoFi Invest: https://www.sofi.com/share/invest/3345640
To me this was definitely worth the hard pull.
You get $310 in bonus ($10 of it will be a gift card of your choice for just checking your rate) for your time to apply, pay a buck or two in loan interest if you pay back right away, and get a hard pull on your credit…all within 4 days for me from application to bonus received (if you apply on a Sun/Mon like I did). As long as you fill out W9, bonus tends to show up in your account the Friday after loan funding (with a posting date of Thu).
Here was my timeline:
Mon: applied, upload copy of last paystub for income verification.
Tue: approved and sign documents. For website, sign W9 form for your bonus via Membership dropdown to Refer a Friend link. I found this the trickiest part to find where the W9 form is.
Tue: Loan Funded via ACH to my checking account (shows up on Wed)
Wed: payoff loan (82 cents of interest). (shows up as checking account debit on Thu)
Thu: Bonus received in external checking account (shows up on morning of Fri in checking account)
Application takes around 15 minutes or so. If you are interested and have your credit frozen, make sure to unfreeze Experian before you apply. Rate check is soft pull and if you proceed to get the actual loan it will be a hard pull. Obviously, if you are planning to apply for a home loan refinance or credit card anytime soon, probably best not to do this offer now. Impact to my credit score was negligible.
Also, if you happen to live in Vermont or Ohio, don’t bother trying to do this offer as it appears those states are ineligible: Not available to residents of Vermont. No funding bonus paid to borrowers who reside in Ohio.
Lastly, once you have a SOFI login, you’d have your own referral links, and you could then refer this deal to others. Not sure if everyone gets the $310-$310 referral offer though. Easy to check in the same place you sign your W9 under “Refer a Friend” link on the website. Hope this information helps.
If you are interested in trying this offer and need a referral link, see my referral links below, Many thanks in advance if you elect to use my referral link for your loan.
Please add my referral links. Thanks so much!
https://www.sofi.com/invite/personal-loans/?gcp=a670cdc3-791d-470a-89a4-7a32eea885a8
https://www.sofi.com/invite/student-loans/?gcp=090a1ded-74cc-4fc4-a9a0-6b1cb28fb910
Hi! Join me on SoFi Money. You can save, spend, and earn interest—all in one account. Use my link to sign up and you’ll get a $50 bonus. https://www.sofi.com/invite/money?gcp=8bc72a16-d182-42b1-b829-9c6e06776e62
Hello. Please use my link to receive $300 for opening a loan with SoFi. Thank you.
https://www.sofi.com/share/1686827?src=copy
Just got my welcome bonus. Just signup using this referral link: https://sofi.com/share/3505050?src=copy
1. Take out a $5000 loan.
2. Pay it off right away.
3. Wait a week or two for a free $300.
Easy money! Happy Holidays.
Use my link to sign up and you’ll get a $50 bonus. https://www.sofi.com/invite/money?gcp=3d1b4232-38ae-4f46-be49-4a2e1cf0e8e0
SoFi Money:
Use my link to sign up and you’ll get a $50 bonus. https://www.sofi.com/invite/money?gcp=13a8491e-1eff-4aa9-8b70-38a40a0ce7aa
SoFi Personal Loan or Student Loan Refinance:
Learn more and use my link to apply for a SoFi Personal Loan or a SoFi Student Loan Refi and you can get a $300 welcome bonus: https://www.sofi.com/share/3145259
Two $50 bonus for you in Christmas Month! Stay healthy, and be Safe @ all.
https://www.sofi.com/invite/money?gcp=efa8b06e-826e-4ac5-8a67-51cd82f6c4ff
https://www.sofi.com/share/invest/2871330
Happy Black Friday! Here are my referral links to get a $50 bonus (each):
SoFi Money: https://www.sofi.com/invite/money?gcp=004af404-1a99-46b4-b486-44bce3a0ab1d
SoFi Invest: https://www.sofi.com/share/invest/2500097
SoFi Money Bonus $50
Use my link to sign up and you’ll get a $50 bonus: https://www.sofi.com/invite/money?gcp=8bc72a16-d182-42b1-b829-9c6e06776e62
Enjoy the most updated $100 bonus during the pandemic
SoFi Money Bonus $50
Use my link to sign up and you’ll get a $50 bonus: https://www.sofi.com/invite/money?gcp=8bc72a16-d182-42b1-b829-9c6e06776e62
SoFi Invest Bonus $50
Open an Active Investing account with $1,000 or more, and you’ll get $50 in stock. I’ll get $50 in stock, too! Use my link: https://www.sofi.com/share/invest/2871330
Need some extra cash during this pandemic?
Get an extra $300 bonus when you get approved for a personal, home, or student loan from Sofi Loans! Easy online application. Find out if you pre-qualify in just minutes without hurting your credit score. There are no application or origination fees. No pre-payment penalties. Fixed personal loan rates range from 5.99% APR to 18.28%. Fixed student loan interest rates start at 2.99% APR.
Only available in the US. Use this link to receive the bonus.
https://www.sofi.com/share/3382938?src=copy
Hi! Join me on SoFi Money. You can save, spend, and earn interest—all in one account. Use my link to sign up and you’ll get a $50 bonus. https://www.sofi.com/invite/money?gcp=a2f81c0a-bc8e-42f2-a7b0-72699fbe2b98
I just got approved for Sofi personal loan ($300) each party. You can get a $5000 loan and pay it off soon after. Sofi will do a soft pull to check if you are eligible first during the application.
https://www.sofi.com/share/2496286
Most recent bonus
SoFi Money:
https://www.sofi.com/invite/money?gcp=13a8491e-1eff-4aa9-8b70-38a40a0ce7aa