The Bank of Missouri
SoFi Essential
No annual fee, earning Cash Back, on the Mastercard network.
Card terms last verified against issuer pages on 2026-09-20.
At a glance
The SoFi Essential is a no annual fee card from The Bank of Missouri earning Cash Back. It earns 3x on sofi travel. We have no recurring statement credits on file for this card.
Annual feeNone
Foreign feeNone
What it earns
Rates are the multipliers The Bank of Missouri advertises. We do not convert them into a percentage return, because that requires putting a price on Cash Back and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| SoFi Travel | 3x |
Questions people ask about the SoFi Essential
What is the annual fee on the SoFi Essential?
The SoFi Essential has no annual fee.
What does the SoFi Essential earn?
3x on sofi travel, in Cash Back.
Does the SoFi Essential charge foreign transaction fees?
No — the SoFi Essential has no foreign transaction fee.
Other The Bank of Missouri cards
All The Bank of Missouri cards
Verify before you apply. Card terms change without much notice, and issuers vary offers by
applicant. Everything on this page was last checked on 2026-09-20 against
our card database. The issuer's own terms page is the authority.