SoFi Credit Card is issued by SoFi Bank and is best for earning cash back on every purchase. This credit card provides fantastic features, including a simple, market-leading interest rate across both SoFi Checking and Savings accounts. Its unlimited cash back makes it seem like a top flat-rate rewards credit card. Some benefits of using the SoFi Credit Card are that it has cellphone protection, flexible rewards redemption, zero liability protection, no annual fee or foreign transaction fees, and more.