SoFi Welcome Bonus offers some of the most exciting financial rewards in 2025, with opportunities to earn up to $5,000 across various products, including Checking, Savings, Investing, Student Loans, and Personal Loans. Whether you’re opening a SoFi checking account, refinancing student loans, or transferring your investments, you can take advantage of substantial bonuses like $100, $300, and more.
These promotions are designed to help you achieve your financial goals faster, offering cash back, high-interest rates, and zero fees. In this guide, we’ll explore the latest SoFi Welcome Bonus offers and how you can earn them today.
About SoFi Promotions
SoFi, or Social Finance, is a financial platform that offers a range of services from student loan refinancing to high-yield savings accounts. The SoFi Welcome Bonus is available for various products, making it easier for you to get rewarded as you save, invest, and borrow with SoFi. Whether you’re new to SoFi or already a member, the SoFi Welcome Bonus gives you plenty of opportunities to earn additional funds.
SoFi promotions are not limited to just one product—they span across all their financial services, making it easy to enjoy perks regardless of your financial needs.
SoFi Checking & Savings $325 Bonus
SoFi offers a fantastic SoFi Welcome Bonus for their Checking and Savings products. Here’s how you can earn up to $325 by simply setting up direct deposit:
- Direct Deposit Requirement: Set up a direct deposit of $1,000 or more to qualify.
- Bonus Breakdown:
- $50 for direct deposits of $1,000 – $4,999
- $300 for direct deposits of $5,000 or more
- $50 for direct deposits of $1,000 – $4,999
- APY: Earn up to 3.80% APY on your savings with no fees or minimum balance requirements.
- Features:
- No monthly fees, no overdraft fees
- 55,000+ fee-free ATMs
- 2-day early paycheck with direct deposit
- No monthly fees, no overdraft fees
Why Take Advantage of This Offer?
- The SoFi Welcome Bonus makes it easy to boost your savings while enjoying high-yield returns with zero fees.
- If you’re looking to simplify your finances and earn more, this offer is a great way to start the year strong.
If you’re considering a SoFi checking account, it’s a perfect option to earn rewards while managing your finances.
SoFi Credit Card 2.2% Unlimited Cash Back
The SoFi Welcome Bonus extends to their SoFi Credit Card. By linking your SoFi Credit Card with direct deposit, you can earn 2.2% cash back on every purchase. Here’s how it works:
- Cashback Rate: Earn 2.2% unlimited cash back on every purchase
- Monthly Direct Deposit: Set up direct deposit to your SoFi Checking account
- No Annual Fee: Enjoy the rewards without any extra fees
- No Spending Requirement: Earn on every dollar spent
This is a perfect way to maximize your cashback rewards while utilizing the benefits of the SoFi Welcome Bonus.
SoFi promotions like this credit card offer an excellent chance to earn more as you spend.
SoFi Invest $50 Bonus
If you’re looking to start investing, SoFi has a $50 bonus for their Active Investing product. Here’s what you need to know:
- Bonus Offer: Open a new SoFi Securities LLC brokerage account and fund it with at least $100 to earn $50.
- Account Type: SoFi Invest (Active Brokerage Account)
- No Monthly Fees: SoFi Invest comes with no monthly maintenance fees.
- How to Earn:
- Open an account
- Deposit at least $100
- The bonus will be issued in the form of a fractional share of a company.
- Open an account
This is an easy way to dip your toes into investing while earning a SoFi Welcome Bonus.
For insights, you can read SoFi invest reviews to learn more about this platform before you begin.
SoFi Student Loan $100 Bonus
For those looking to refinance or get new student loans, SoFi offers a $100 bonus when you sign up. Here’s how it works:
- Loan Amount: $5,000 to $100,000
- Loan Term: 2 to 7 years
- APR:
- Fixed: 5.990% APR to 16.240% APR (with AutoPay)
- Variable: 5.74% APR to 14.700% APR (with AutoPay)
- Fixed: 5.990% APR to 16.240% APR (with AutoPay)
- Referral Program: Earn $100 for referring a friend for a student loan through the referral program.
- How to Earn:
- Refer a friend or family member
- Once the loan is funded, you both receive a $100 bonus
- Refer a friend or family member
This offer is a great opportunity to refinance your student loan with SoFi while earning a SoFi Welcome Bonus.
If you’re considering loans, using a SoFi referral code can help you take advantage of special discounts or bonuses.
SoFi $300 Bonus Personal Loan
For personal loans, SoFi is offering a $300 bonus when you take out a loan. Here’s how you can qualify:
- Loan Amount: $5,000 to $100,000
- APR:
- Fixed: 5.990% APR to 16.240% APR (with AutoPay)
- Variable: 5.74% APR to 14.700% APR (with AutoPay)
- Fixed: 5.990% APR to 16.240% APR (with AutoPay)
- No Fees: There are no origination fees, prepayment fees, or late fees
- Bonus: Earn $300 when you take out a personal loan with SoFi
- How to Earn:
- Apply for a SoFi personal loan
- Receive a $300 bonus when you’re approved and funded
- Apply for a SoFi personal loan
The SoFi Welcome Bonus is a great way to save on loan fees and get a reward for your new personal loan.
SoFi Invest Up to $5,000 Account Transfer Bonus
For investors looking to transfer their assets to SoFi, they offer a generous up to $5,000 bonus depending on the size of your transfer. Here’s how to earn:
- Bonus Tiers:
- $50 for transfers of $5,000-$19,999.99
- $125 for transfers of $20,000-$99,999.99
- $250 for transfers of $100,000-$249,999.99
- $500 for transfers of $250,000-$499,999.99
- $1,000 for transfers of $500,000-$999,999.99
- $2,500 for transfers of $1,000,000-$1,999,999.99
- $5,000 for transfers of $2,000,000+
- $50 for transfers of $5,000-$19,999.99
- How to Earn:
- Transfer funds from another brokerage firm to SoFi Invest
- Bonuses are based on net transfers
- Transfer funds from another brokerage firm to SoFi Invest
This SoFi Welcome Bonus is perfect for seasoned investors looking to consolidate their accounts with SoFi.
If you’re unsure of the process, you may ask how to invest in SoFi stock, or get tips from customer reviews to make informed decisions.
SoFi Free Credit Score Monitoring $10 Bonus
SoFi is offering a $10 bonus when you sign up for their Free Credit Score Monitoring service. Here’s how you can take advantage:
- Track Your Credit Score: Monitor your credit score at no cost
- Bonus: Earn $10 after completing the setup
- Features:
- Weekly credit score updates
- Understand the factors influencing your credit score
- Receive personalized advice from a financial planner
- Weekly credit score updates
This SoFi Welcome Bonus helps you stay on top of your financial health while earning a bonus. You can also use the SoFi referral bonus to earn additional rewards when you refer others.
Bottom Line
SoFi is offering an impressive range of promotions in 2025, including substantial SoFi Welcome Bonus offers for their Checking, Savings, Investing, Student Loans, and Personal Loans. Whether you’re opening a new account, refinancing, or transferring your investments, there’s an offer for everyone. Don’t miss out on these SoFi Welcome Bonus opportunities to maximize your financial benefits this year.
Be sure to check out other promotions from leading financial institutions such as Citi, Huntington, HSBC, Chase, and others to see how SoFi stacks up against the competition.