- Get a $50 welcome bonus!
- No annual fee
- No foreign transaction fees
- Get 2x points (4% cashback) on all purchases and redeem your earned points straight into crypto
- Make 12 monthly on-time payments and get APR lowered by 1%
- Online prequalification will not impact your credit score
- Free spending and budgeting tools
- Complimentary cell phone insurance coverage up to $1,000
- Protect your personal information by detecting potential fraud
- Exclusive offers on ride-sharing, food delivery, online shopping, and more
3.5 / 5.0 (18 votes)
Leave your vote!

Information - Rates - Fees

Intro APR:
N/A*
Intro Period:
N/A*
APR:
12.99% - 24.99%*
APR Type:
variable
Annual Fee:
$0*
Card Network:
Card Category:
Consumer (Premium)
Card Type:
Crypto Card
Digital Card
EMV Chip
High Credit Limit
No Foreign Transaction Fee
Pre-Qualification
Reward Card
Credit Needed:
Fair*
Grace Period:
25 days*
Min Finance Charge:
$1.00
Min Credit Line:
$100
Late Payment Fee:
$39.00*

Balance Transfers

Balance Transfer:
Yes
Transfer Fee (%):
5.00%
Minimum Fee:
$10.00

Cash Advances

APR on Cash Advances (%):
26.99%
Cash Advance Fee (%):
5.00%
Minimum Fee:
$10.00

Other Fees

Additional Fees
Minimum Interest Charge: $1.00
Late Payment Fee: Up to $39
Returned Payment Fee: Up to $39

Comments

Applications not accepted in Iowa, Wisconsin, Washington, D.C., and West Virginia.

CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Features

Most attractive:
- No annual fee
- Fast prequalification
- 2X rewards
- Annual APR reduction
Least attractive:
- No bonus rewards
- High BT fees
- Not all get high credit line

Rewards & Benefits

Reward Types:
Crypto Back Rewards
Other Rewards
Universal Rewards
Reward Unit:
Point
Reward per every $1 spent:
0.01
Rewards:
- 4% cash back on all purchases
- Redeem points straight into crypto
Expiration:
None*
Yearly Limit:
None*
Other Benefits:
- Cell phone protection
- Mastercard ID theft protection
- Mastercard Zero Liability Protection
- Global Emergency Services
- World Elite Concierge
- Complimentary professional travel services
- Mastercard Hotel Stay Guarantee
- Lowest Hotel Rate Guarantee
- Mastercard luxury hotel and resorts portfolio
- Free nights, car, RV, air
- Mastercard Airport Concierge
- Start Something Priceless
- Mastercard World of Benefits app
Online Access:
Yes!

*The information provided for Sofi World Elite Mastercard® is believed to be accurate at the time of evaluation (Apr 13, 2022). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

You may also be interested in: