Credit Cards · August 2026
SoFi publishes full card terms one hop from the product page
An AI agent ran five ordinary credit cards tasks on the public pages of SoFi and scored what each page delivered.
Run 6 August 2026 · five tasks · public pages, logged out · Fintech
74/100
Mystery Agent score
Credit Cards · rank 9 of 25
Purchase APR
90Served as text
Card comparison
88Served as text
Pricing and terms
90Served as text
Welcome offer
78Partly served
Application page
25Partly served
Summary
- SoFi's terms page for each card serves a complete rate and fee disclosure in clean HTML text, reachable with a single visit.
- An automated reader compared the Everyday Cash Rewards card's category rates with the Unlimited 2% Card's flat 2% rate on every purchase.
- The purchase APR and annual fee sit on a separate terms page rather than on the card's own product landing page.
SoFi also appears in the Deposits study, where it scores 78 and ranks 4 of 25.
See that scorecard.
Task by task
Each task is scored out of 100 on completion, answer quality and how directly the answer was reached. Each note describes what the page delivered, with a link to the page the answer was found on.
Task 01Purchase APRServed as text90 out of 100
The Unlimited 2% Card's terms page states in clean HTML text that the standard variable purchase APR ranges from 19.99% to 29.99%, based on the applicant's creditworthiness and the Prime Rate.
Task 02Card comparisonServed as text88 out of 100
The Everyday Cash Rewards card earns 3% on dining, 2% on groceries, and 1% elsewhere, while the Unlimited 2% Card earns a flat 2% on every purchase, both with a $0 annual fee.
Task 03Pricing and termsServed as text90 out of 100
The terms page publishes a complete rate and fee table: purchase and balance transfer APR of 19.99% to 29.99%, cash advance APR of 30.49%, a $0 annual fee, and late fees up to $41.
Task 04Welcome offerPartly served78 out of 100
The Essential, Everyday Cash Rewards, and Unlimited 2% product pages, along with the rewards details page, describe ongoing card benefits without addressing a one-time welcome bonus either way.
Task 05Application pagePartly served25 out of 100
A plain fetch of the prequalification link followed a redirect chain into a SoFi login screen: 96,088 bytes with 260 characters of visible text and three input fields for email and password.
The standard variable APR for purchases is 19.99% to 29.99%, based on your creditworthiness.
The application page
What the account opening page states to a reader that runs no scripts.
96,088Bytes delivered
260Characters of visible text
3Form fields in the first response
After scripts runWhat an applicant needs
Strengths and opportunities
What is working
- Full Schumer-box rate and fee disclosures (purchase, balance transfer, and cash advance APR, annual fee, transaction fees, penalty fees, balance method) are delivered in clean, well-labeled HTML text at a stablethe application path URL for each card, reachable with one GET and no login.
- Three distinct card tiers (Essential, Everyday Cash Rewards, Unlimited 2%) are clearly named, cross-linked from a single hub page, and each carries its own rewards structure stated in plain text, which makes a side by side comparison straightforward for an agent.
- The annual fee (None on all three cards) and rewards categories are consistent and explicit across product pages and terms pages, so the numbers an agent finds on one page match what the terms page confirms.
Opportunities
- Publish the purchase APR, annual fee, and rewards rate directly on each card's own landing page. Right now those figures require one extra hop to a separatethe application path page, which a browsing agent can miss if it stops at the product page.
- State plainly, in delivered text, whether a welcome or sign-up bonus currently exists for any SoFi card. None of the four pages checked mention one either way, leaving an agent to infer absence rather than read a confirmation.
- Let the application path serve a preview of its requirements (SSN, income, eligibility) before the login wall. Today the application page is a bare email and password form with no context about what happens next.
- Publish an llms.txt file. The domain currently 404s on that path, so an agent has no declared entry point and must discover /credit-card/ through search or link-following instead.
- Serve the homepage to a plain GET. It currently returns a 403 JavaScript challenge, which is the first thing any agent starting at sofi.com would meet before it ever reaches the well-built card content underneath.
Access
Every page the agent requested was delivered on the first attempt. Publishing an llms.txt file would give agent traffic a documented entry point.
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