SoFi Business Credit Card — Built for Growth, Designed for Simplicity

The SoFi Business Credit Card is designed to help small and growing companies manage expenses, unlock rewards, and keep financial operations efficient and transparent. Combining intuitive digital tools with practical business features, this card gives entrepreneurs the control they need to scale without getting bogged down in administrative overhead.

Why business owners choose SoFi

Running a business requires decisions that are fast, informed, and flexible. The SoFi Business Credit Card is crafted to support those decisions with clear spending insights, streamlined bookkeeping, and responsible credit management. Whether you’re a solo founder, a remote team leader, or managing multiple locations, this card adapts to the way you work.

Key features that matter

• Smart rewards structure — Earn rewards on everyday business purchases and benefit from bonus categories tailored to common business expenses. Rewards are easy to track and redeem, turning routine spending into tangible value for your company.
• Integrated expense management — Automated transaction categorization and easy export tools simplify accounting and reduce time spent reconciling statements. Sync data with your existing accounting workflows for a smoother month-end close.
• Employee spending controls — Issue cards to team members with customizable limits and real-time monitoring. Maintain control over budgets without hampering productivity, enabling delegated purchases while minimizing overspending.
• Virtual cards for secure purchasing — Generate single-use or limited-use virtual card numbers for online vendors and subscriptions. Reduce fraud risk and maintain privacy for recurring payments.
• Mobile-first management — Manage cards, view transactions, freeze or unfreeze accounts, and capture receipts directly from the SoFi mobile app. Keep expense oversight in your pocket, wherever business takes you.
• Flexible payment options — Choose payment schedules and tools that align with your cash flow. Built-in reminders and clear statements help you avoid late fees and optimize working capital.
• Business credit growth — Use card activity to build a stronger business credit profile. Responsible use and timely payments can help open doors to future financing and better terms.

Built for operational simplicity

Practical business tools should be invisible but effective. The SoFi Business Credit Card reduces friction in daily operations by providing clear receipts, merchant-level detail, and instant notifications for every transaction. This lets managers approve purchases faster, accountants reconcile more accurately, and owners focus on strategy instead of spreadsheets.

Security and support you can rely on

Security is a priority: the card comes with modern protections like zero-liability policies, real-time transaction alerts, encrypted data, and secure authentication. If issues arise, dedicated support teams and intuitive help resources are available to resolve disputes, manage lost cards, and guide you through features and settings.

Rewards that help your business thrive

Rewards are structured to return value to the places you spend most. From travel and office supplies to software subscriptions and client dinners, the SoFi Business Credit Card helps you recoup part of your expenses and reinvest in growth. Reward redemption is flexible and straightforward, allowing you to apply value directly to statement balances, reinvest in travel, or use rewards for other business needs.

Designed for modern teams

Remote work, hybrid teams, and distributed spending require a card that fits modern workflows. Issue multiple cards, set tailored expense categories, and monitor activity across departments or projects. The card supports audit trails and receipt attachments, making it easier to maintain compliance and track ROI on team expenditures.

How the card supports every stage of business

Whether you are launching your first product, expanding into new markets, or optimizing operational costs, this card is a practical partner. Early-stage companies benefit from straightforward onboarding and expense visibility. Growing businesses gain scalable controls and additional cards for expanded teams. Mature organizations appreciate the streamlined reconciliation and rewards that compound into meaningful savings.

Onboarding and account management

Setting up the SoFi Business Credit Card is designed to be quick and intuitive. From application to card issuance, the process is optimized for busy founders. Digital onboarding, clear documentation, and accessible customer care reduce the time between approval and active use, so your business can start capturing benefits immediately.

Who this card is best for

• Small business owners and freelancers seeking simplicity and rewards
• Companies that need tighter expense controls and real-time visibility
• Teams that want to issue multiple cards with customized limits
• Businesses that value integration with modern financial tools and mobile-first management

Final note

The SoFi Business Credit Card blends ease of use with the control and features businesses need to operate efficiently. It is crafted to help you manage spending, earn meaningful returns on purchases, and build stronger financial foundations for future growth. If you value clarity, security, and tools that simplify everyday finance, this card is designed with your business in mind.

Address Bank: San Francisco, California, U.S.
Bank: SoFi
Headquarters: San Francisco
Products: Cards
Type: Business Credit Card