| Credit Limit | $15,000.00 |
| Credit Available | $12,147.62 |
| Statement Closing Date | 02/25/2026 |
| Days in Billing Cycle | 28 |
| Previous Balance | $1,245.30 |
| Payments & Credits | -$1,245.30 |
| Purchases & Charges | $2,724.88 |
| Balance Transfers | $0.00 |
| Cash Advance Limit | $3,000.00 |
| Cash Advance Withdrawn (This Period) | $0.00 |
| Cash Advance Remaining | $3,000.00 |
| Fees Charged | $0.00 |
| Interest Charged | $127.50 |
| New Balance | $2,852.38 |
| Payment | Time to Payoff | Total Cost | |
|---|---|---|---|
| Minimum payments only | $57.00 | 13 years | $5,784.00 |
| Pay off in 3 years | $103.00 | 3 years | $3,708.00 |
| Previous Rewards Balance | 4,230 pts |
| Rewards Earned This Period | +1,362 pts |
| Rewards Redeemed | –0 pts |
| Current Rewards Balance | 5,592 pts |
| Trans Date | Post Date | Reference # | Transaction Description | Amount |
|---|---|---|---|---|
| 02/14 | 02/15 | 74820193009 | PAYMENT, THANK YOU | -$1,245.30 |
| Total payments and credits | -$1,245.30 | |||
| Trans Date | Post Date | Reference # | Transaction Description | Amount |
|---|---|---|---|---|
| 01/30 | 01/31 | 74820193001 | WHOLE FOODS MKT #10847 | $87.43 |
| 02/01 | 02/02 | 74820193002 | UBER TRIP EATS | $34.50 |
| 02/03 | 02/03 | 74820193003 | AMAZON.COM*RT4K82P | $129.99 |
| 02/05 | 02/06 | 74820193004 | COSTCO WHSE #1234 | $245.67 |
| 02/07 | 02/07 | 74820193005 | SPOTIFY USA | $15.99 |
| 02/08 | 02/09 | 74820193006 | SHELL OIL 57442683100 | $52.30 |
| 02/10 | 02/10 | 74820193007 | TARGET T-1892 | $198.40 |
| 02/12 | 02/12 | 74820193008 | STARBUCKS STORE 09241 | $6.75 |
| 02/15 | 02/16 | 74820193010 | APPLE.COM/BILL | $14.99 |
| 02/18 | 02/18 | 74820193011 | TRADER JOE'S #567 | $76.42 |
| 02/20 | 02/21 | 74820193012 | DELTA AIR LINES | $1,862.44 |
| Total transactions (this section) | $2,724.88 | |||
| 0% APR on purchases ends | Aug 15, 2026 |
| Balance transfer promo APR ends | May 1, 2026 |
| Spend & get (example) | Spend $3,000 by 12/31/2026, earn 10,000 pts |
| Program status | Scheduled rollover |
| Anticipated card rollover | First cycle on/after Apr 1, 2026 |
| Your next milestone | Final loan payment posts Mar 28, 2026 |
| Type of Balance | Annual Percentage Rate (APR) | Balance Subject to Interest | Interest Charge |
|---|---|---|---|
| Purchases | 21.49% (v) | $2,724.88 | $127.50 |
| Cash Advances | 25.49% (v) | $0.00 | $0.00 |
| Balance Transfers | 21.49% (v) | $0.00 | $0.00 |
| Penalty APR | 29.99% (v) | $0.00 | $0.00 |
| Balance Type | Prime Rate | + Margin | = Your APR |
|---|---|---|---|
| Purchases | 7.50% | 13.99% | 21.49% |
| Cash Advances | 7.50% | 17.99% | 25.49% |
| Balance Transfers | 7.50% | 13.99% | 21.49% |
| Penalty | 7.50% | 22.49% | 29.99% |
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
We use a method called "average daily balance (including new purchases)." See your Cardmember Agreement for more details.
We calculate total interest charges by determining the daily balance for each balance type, dividing the Annual Percentage Rate by 365 to get the daily periodic rate, multiplying the daily balance by the daily periodic rate, then totaling those amounts for the billing period.
You may make payments by phone, through the SoFi mobile app, on the SoFi website at sofi.com, or by mailing a check to SoFi Bank, N.A., PO Box 2988, Omaha, NE 68103-2988.
Payments must be received by 5:00 p.m. ET on the due date shown on your statement. Payments received after 5:00 p.m. ET or on a non-business day will be credited as of the next business day.
We generally apply your minimum payment to the balance with the lowest APR first, then to balances with higher APRs. Amounts paid above the minimum will be applied first to the balance with the highest APR, then to balances with successively lower APRs.
If your minimum payment is not received by the payment due date, a late fee of up to $41.00 may be charged to your account. Additionally, if you are more than 60 days late in paying your minimum payment, your APR may be increased to the Penalty APR as described in your Cardmember Agreement.
You may pay all or part of your balance at any time without penalty.
If your account has a credit balance of $1.00 or more, we will refund the credit balance within seven business days of your written request. If a credit balance remains on your account for six consecutive billing cycles, we will make a good-faith effort to refund the credit balance to you.
If you are experiencing financial difficulty, you may be eligible for a forbearance plan or payment arrangement. Contact us at 844-945-7634 or through the SoFi mobile app to discuss your options.
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. This account is issued and administered by SoFi Bank, N.A.
If you believe there is an error on your statement, write to us at:
SoFi Bank, N.A.
Cottonwood Mail Room
750 East Cottonwood Parkway, Suite 300
Cottonwood Heights, UT 84121
Mailing address for billing errors: confirm final format with Back Office before production.
In your letter, give us the following information:
You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. While we investigate, you are not obligated to pay the amount in question.
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:
SoFi Bank, N.A.
Cottonwood Mail Room
750 East Cottonwood Parkway, Suite 300
Cottonwood Heights, UT 84121
Use the address your Cardmember Agreement specifies if it differs; align with Compliance.
To report lost or stolen cards, please notify us immediately at 1-844-945-7634.