SoFi Invest $100 Brokerage Bonus - 2026 Review
Affiliate disclosure: Fat Stacks Academy may earn a commission if you open an account through this link, at no additional cost to you.
- Bonus tiers
- $100 for a $100+ deposit
- Availability: Nationwide
- Lifetime limit: one bonus per customer
- Monthly fee: $0
- No early-closure rule listed
- Funding window: 45 days
- Maintenance/hold period: 30 days
- Total practical hold: ~40 days
Bonus Tiers & Effective APY
Overview
SoFi Invest currently offers up to $100 through its brokerage promotion. The headline tier requires $100 and keeps the funds committed for roughly 40 days. That is approximately 912.5% annualized before tax and opportunity-cost adjustments.
Pros
Cons
Notes
Fund the account inside the 45-day window, target the tier you can maintain comfortably, and keep the qualifying balance in place for the full 30-day maintenance period. Avoid moving the money until the reward posts.
How This Compares to Other Bonuses
SoFi Invest's $100 headline payout is closest to Tasty Trade's $100 offer. Compare the required capital, holding time, account fees, and base interest, not only the bonus.
Frequently Asked Questions
What is the current SoFi Invest promotion?
SoFi Invest currently offers up to $100. The headline requirement is $100 deposit held for about 30 days.
How much money is required for the SoFi Invest bonus?
The highest advertised payout currently requires $100. Lower tiers may require less; review the tier table on this page.
How long is the money committed?
Plan on approximately 40 days including funding, maintenance, settlement, and a practical payout buffer.
Eligibility
New SoFi Active Invest customers only, one per account, and you have to click through the shopping portal and apply from that link for it to count. As of July 27, 2026 the Rakuten rate is $100 and Rakuten's terms ask only that you fund the new account with at least $100 within 45 days of clicking. The rate moves: it has been as low as $50 and as high as $150 in the last few weeks, and different accounts sometimes see different numbers on the same day, so check what your own login shows before you apply. Swagbucks runs a parallel version whose terms add a 30-day hold. Separately, SoFi's own sign-up offer gives a free stock worth up to $1,000 for a $50 deposit inside 45 days; the $1,000 is a lottery ceiling with SoFi-stated odds near 0.03 percent, and most people get $3 to $20.
Fees
Apply
Open Account →Affiliate disclosure: Fat Stacks Academy may earn a commission if you open an account through this link, at no additional cost to you.
Sources (2)
We last checked this against the bank's page on September 26, 2026.
Historical Promotions
This product has offered $150 before (ended ~2026-07-05) — the current $100 is below its historical high.
More SoFi Invest offers we track
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Stacks OS also tells you which bonus to do next for YOUR paycheck.
What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
Comments (0)
Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.