SoFi Everyday Cash Rewards

A secondary source attributes trip cancellation/interruption coverage of up to $5,000 per person / $10,000 per trip to 'the SoFi Credit Card' for non-refundable prepaid travel expenses lost due to covered reasons (illness, severe weather, common-carrier financial insolvency, etc.), consistent with a World Elite Mastercard-tier benefit. This was not verified against a card-specific official Guide to Benefits. [UNCONFIRMED — Guide to Benefits required]

World Elite Mastercard's general network module, if enabled, reimburses reasonable expenses (meals, lodging) up to roughly $200 per day for up to 3 days when travel is delayed more than 6 hours by a common carrier; no SoFi-specific confirmation was found. [UNCONFIRMED — Guide to Benefits required]

A secondary source attributes to 'the SoFi Credit Card' a baggage delay benefit reimbursing essential purchases (toiletries, clothing) up to $100 per day for bags delayed more than 6 hours by a common carrier, consistent with the standard Mastercard World Elite network guide structure. Card-specific confirmation via an official SoFi Guide to Benefits was not located. [UNCONFIRMED — Guide to Benefits required]

Not found in any SoFi-specific source reviewed. [UNCONFIRMED — Guide to Benefits required]

Not found in any SoFi-specific source reviewed. [UNCONFIRMED — Guide to Benefits required]

None identified. Return protection is not referenced in any SoFi materials or third-party review for this card, and has been widely discontinued across most Mastercard World Elite benefit packages in recent years.

World Elite Mastercard's purchase protection benefit potentially covers new purchases against accidental damage or theft for a defined window post-purchase. SoFi's own educational content cites 120 days and up to $1,000 per claim / $50,000 per account for 'the SoFi Credit Card,' while Mastercard's generic World Elite guide separately cites a 90-day / $10,000-per-item / $50,000-annual structure. The exact figure applicable to this specific card could not be confirmed from a card-specific Guide to Benefits. [UNCONFIRMED — Guide to Benefits required]

As a World Elite Mastercard, the standard network-level benefit doubles the original manufacturer's warranty by up to an additional 12 months (24 months total) on eligible items, subject to Mastercard's per-item/lifetime caps. SoFi's terms reference enrollment in World Elite Mastercard Benefits generally, but confirmation that extended warranty specifically is one of the modules SoFi has enabled (not all issuers opt into every benefit) was not located. [UNCONFIRMED — Guide to Benefits required]

Up to $1,000 in cell phone protection per 12-month period against damage or theft, capped at $800 per claim, with a $50 deductible, and a maximum of 2 claims per 12-month period, available when the cardholder's full monthly wireless bill is charged to the SoFi Everyday Cash Rewards card the billing cycle before the claimed incident. This is a World Elite Mastercard benefit; SoFi's own terms page references eligibility for 'the Mastercard World Elite Benefits program,' and the specific dollar figures are corroborated by multiple independent card-review sources (Upgraded Points and others), though a card-specific official Guide to Benefits document was not directly retrievable.

3% cash back on eligible dining purchases (including takeout and delivery), 2% cash back on eligible grocery store and online grocery delivery purchases, and 1% cash back on all other eligible purchases, categorized by merchant category code (MCC); plus an additional 3% cash-back-equivalent (3x points) on bookings made through the SoFi Travel Portal, with up to 10% additional savings on eligible bookings. Points redeem at a fixed 1 cent per point toward statement credits, active SoFi accounts, or SoFi Travel. Confirmed via SoFi's official Terms & Conditions and Rewards page (sofi.com/card/terms?cardType=h, sofi.com/card/rewards?cardType=h).

No fixed, consistently publicized welcome bonus was found for this card. SoFi states welcome offers vary by applicant credit profile and SoFi member history, and the card is invitation-only. [UNCONFIRMED — current offer terms required]

As a World Elite Mastercard, this card is referenced (via SoFi's terms page) as eligible for the World Elite Mastercard Benefits program, which for SoFi World Elite cardholders has included: a $5 Lyft ride credit after 3 qualifying rides per month (once per month), free ShopRunner membership (free 2-day shipping at partner retailers), a 2-month free Instacart+ trial plus $10 off a second order, and complimentary Mastercard ID Theft Protection (registration required). Card-specific enablement for Everyday Cash Rewards specifically (vs. only confirmed for Unlimited 2%) was not separately itemized in sources reviewed.

Not separately confirmed; no SoFi-specific figure located distinct from the baggage delay benefit. [UNCONFIRMED — Guide to Benefits required]

Same unresolved conflict as Primary Rental Car — if enabled, World Elite Mastercard's standard Auto Rental CDW would cover theft/collision damage up to $50,000 for rental periods up to 31 consecutive days, generally secondary to personal auto insurance; but available review evidence suggests SoFi may not offer any rental car benefit at all on this card family. [UNCONFIRMED — Guide to Benefits required]

Conflicting information found. A detailed third-party review states explicitly that the comparable SoFi World Elite Mastercard 'does not offer a rental car insurance benefit' despite its World Elite status (issuers can selectively opt out of individual World Elite modules), while the standard World Elite Mastercard network benefit would otherwise include an Auto Rental Collision Damage Waiver if enabled. No card-specific Guide to Benefits was retrievable to resolve this conflict. [UNCONFIRMED — Guide to Benefits required]

No fee is disclosed in the official Terms & Conditions (sofi.com/card/terms?cardType=h); the document addresses that SoFi is not responsible for authorized-user reward disputes but does not state a fee to add one. [UNCONFIRMED — Guide to Benefits required]