SoFi Unlimited 2%

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

World Elite Mastercard's general network module, if enabled, reimburses reasonable travel expenses up to roughly $200 per day for up to 3 days after a delay of more than 6 hours; no SoFi-specific confirmation 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 when bags are delayed more than 6 hours by a common carrier. Card-specific confirmation via an official 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 in any source reviewed for this card.

Sources conflict on the exact figure: SoFi's own educational content describes 120 days of coverage against damage/theft up to $1,000 per claim and $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. No card-specific Guide to Benefits was directly retrievable to resolve the discrepancy. [UNCONFIRMED — Guide to Benefits required]

World Elite Mastercard's standard network benefit doubles the original manufacturer's warranty for up to an additional 12 months (24 months total) on eligible purchases, subject to Mastercard's per-item/lifetime caps, if SoFi has enabled this module. No card-specific confirmation was 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 card. Confirmed as a card benefit across multiple independent card-review sources and referenced via SoFi's own terms page pointer to the 'Mastercard World Elite Benefits program,' though the specific figures were not sourced from a directly retrieved official Guide to Benefits document.

Lyft Ride Credit (after 3 rides/mo): up to $5, resets Monthly.

2 SoFi Rewards Points per $1 spent (2% cash back equivalent) on all eligible purchases, plus an additional 3% cash-back-equivalent (3x points) on bookings made through the SoFi Travel Portal (up to 10% additional savings on eligible bookings). Cardholders who receive qualifying direct deposit into a SoFi Checking & Savings account earn a 10% rewards boost, raising the everyday earn rate to 2.2% cash back. Points redeem at a fixed 1 cent per point toward SoFi accounts (checking, savings, investing, loan paydown) or other SoFi products; ineligible spend includes fees, interest, balance transfers, cash advances, and prepaid card purchases. Confirmed via SoFi's official Terms & Conditions and Rewards page (sofi.com/card/terms?cardType=c, sofi.com/card/rewards?cardType=c) plus SoFi's own blog posts.

Conflicting figures reported across sources and time periods: $200 cash bonus after $500 spend in 3 months (FinanceBuzz, mid-2026); $200 after $1,500 spend in 6 months (Forbes Advisor); and $200 after $2,000 spend in 3 months (an earlier secondary source). At least one review (Yahoo Finance/Upgraded Points, FinanceBuzz direct fetch) states no welcome bonus is currently offered. SoFi's own language indicates offers vary by applicant and change over time. [UNCONFIRMED — current offer terms required to confirm the live promotion]

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

Same conflict as Primary Rental Car — if enabled, World Elite Mastercard's standard Auto Rental Collision Damage Waiver would cover theft/collision damage up to $50,000 for rental periods up to 31 consecutive days, secondary to personal auto insurance in most cases; but at least one reviewer states SoFi does not offer this benefit at all on this card. [UNCONFIRMED — Guide to Benefits required]

Directly conflicting evidence found: a detailed third-party review (Upgraded Points) states explicitly 'The SoFi Unlimited 2% Credit Card does not offer a rental car insurance benefit,' while a reader comment on a separate WalletHub answer disputes this, arguing the card's World Elite Mastercard designation should include rental car collision protection by default. No SoFi-specific Guide to Benefits was retrievable to resolve this conflict; treat as unresolved pending direct verification. [UNCONFIRMED — Guide to Benefits required]

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