Sofi Everyday Cash Rewards Card Review 2025 | Worth It or Leave It?

Maximize everyday rewards with the SoFi Everyday Cash Rewards Credit Card, offering 3% cash back on dining and groceries—including takeout and delivery—plus 1% on all other purchases, with no annual fee and no foreign transaction fees. Ideal for households and foodies who spend heavily in these categories, it delivers uncapped earnings and straightforward redemptions worth a solid cent per point as statement credits or deposits into SoFi accounts for checking, savings, investments, or loan payments. Seamless integration into the SoFi ecosystem, combined with World Mastercard perks like ID Theft Protection, ShopRunner, and Lyft benefits, adds extra value without complicating the rewards structure. However, weaker earning on non-bonus purchases, the absence of a sign-up bonus or intro APR offer, and its current invitation-only status mean it’s not the right fit for everyone. Whether this card is the key to maximizing your daily spending or just another niche option is revealed only at the very end. Pros: 3% cash back on dining and groceries, including online delivery 1% cash back on all other purchases No annual fee and no foreign transaction fees Uncapped rewards earning potential Flexible redemption into SoFi accounts or as statement credits World Mastercard perks like ID Theft Protection and ShopRunner access Cons: Weaker 1% back on non-bonus spending No sign-up bonus No introductory 0% APR period Full value tied to SoFi account ownership Invitation-only application process Cannot hold alongside another active SoFi credit card #SoFiEverydayCard #CashBackCreditCard #NoAnnualFeeCard #DiningRewards #GroceryRewards #WorldMastercard #SoFiEcosystem #CreditCardReview #SmartSpending #DailyRewardsBoost ⚠️ The views and opinions expressed on this channel are solely those of the creator and do not reflect the views of any companies or organizations mentioned. All product reviews and tutorials are based on personal experiences and research. Any pricings, percentages, rates, etc. mentioned in any videos are accurate until the time of recording. Please ensure to check the product info for the most updated numbers. While I strive for accuracy and thoroughness, all information provided is for general informational purposes only. Please do your own research before making any purchasing decisions. This channel may include affiliate links, which means I may earn a commission if you make a purchase through those links at no additional cost to you. By watching, you acknowledge that you are solely responsible for any decisions made based on the content provided. For business inquiries, please contact [email protected] Attribution: Stock footage provided by www.freepik.com, www.pexels.com, www.canva.com