How much is the SoFi Credit Score Monitoring bonus actually worth?
The headline number is Free credit monitoring. Counting the money you tie up and the time the requirements take, it works out to about $40/hr per hour of your own time.
SoFi Credit Score Monitoring is a cashback & apps offer.
The numbers, in full
| Payout | Free credit monitoring |
|---|---|
| What it takes | Create a free SoFi Relay account through an invite link and connect one account. |
| Direct deposit needed | No |
| Money tied up | None |
| Time committed | 60 days |
| Effective APY | No capital tied up |
| Per hour of your time | $40/hr |
| When it pays | instant access |
| Offer ends | No published end date |
| Last checked | Aug 14, 2026 |
What the return actually looks like
No money of yours sits still here, so an APY would be meaningless. Judge it on pay for your time: about $40/hr for roughly under an hour of work.
Read this chart as a table
| Offer | Pay per hour | Hands-on hours |
|---|---|---|
| Origin | $200/hr | 0.25h |
| Shopback | $120/hr | 0.25h |
| PFS Buyers Club | $80/hr | 0.25h |
| Capital One Shopping | $60/hr | 0.25h |
| SoFi (this offer) | $40/hr | 0.25h |
| PayPal | $40/hr | 0.25h |
Open it
We have no referral for this one, so this goes straight to the public offer.
Related questions
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- How much is the SoFi Checking & Savings bonus actually worth?$50 - $400
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