[Referral bonus down to $50] SoFi debit card new account / referral bonuses

Update 11/5/19: The referral bonus has finally dropped to $50 per referral. The person opening a new account still gets $50 when they open and deposit $100 or more, but you’ll now get $50 per referral instead of $100 per referral for SoFi Money. This was an easy win for most families while it lasted. Still not a bad deal as a couple playing in 2-player mode can still get $150 just for SoFi Money ($50 new account bonus for P1 + $50 new account bonus for P2 + $50 referral bonus for P1 referring P2) and could also get another $50 cash plus $100 in stock with SoFi Invest ($50 in stock new account bonus for P1 + $50 in stock new account bonus for P2 + $50 cash for P1 for referring P2 to Investing). That said, it’s a much less exciting deal than it was. Hopefully most readers got their friends and family in for some easy money.

Update 11/2/19: Incredibly, this deal is still alive for SoFi Money (deposit $100, get a $50 new account bonus and then get $100 for each person you refer who does the same). The (separate) Investing bonus promotion landing page still says that the account must be opened and funded by 10/31, but the referral page within the app no longer shows an end date and the fine print terms indicate that you have to open your Investing account and then fund it within 14 days to qualify for the Investing bonus (which is $50 in free stock — a separate deal you’d do after opening a SoFi Money account as outlined below). YMMV in regards to whether or not the Investing bonus still works, but I think it probably does and the SoFi Money bonus is still on indefinitely (though I can’t imagine it will last forever). For those curious, I was indeed able to withdraw referral money to my external account without issue. This is the real deal.

Update 10/31/19: Reminder: Today (10/31/19) is the last day to open and fund a SoFi Investing account to receive $50 in free stock. The SoFi Money deal is (surprisingly) still going on and does not have an end date listed, but if you want to also open and fund a SoFi Investing account to get $50 in free stock, today is the last day according to the terms. Note that the free stock takes a week to show up in your account; my stock showed up in my holdings yesterday (exactly 1 week after opening and funding). Also note that SoFi has lowered the interest rate on the SoFi Money account to 1.60% APY in accordance with yesterday’s decrease in interest rates announced by the Federal Reserve Bank.

**Update 10/29/19: Referral credits and new account bonuses have been posting to pending activity over the past week. Today, my new account bonus and first two referrals became available for use or transfer to my bank. That’s great news for anyone wondering how long it would take: I opened my account on Wednesday, the 23rd around mid-day and referred two people before 6pm Eastern. Those bonuses showed up pending by the next day and are now payable / able to be withdrawn on Tuesday, October 29th. See the full timeline in this section below. I’d give it about a week from opening / referring to see your money. See the table of contents below for full details of this deal and see this section for how to find your current referral totals.

Miles to Memories has written a few posts lately about the SoFi Money cash management account / debit card that caught my eye. In a nutshell, this is a debit card account that has no fees and a number of benefits (including a $50 new account bonus when you deposit $100 within 14 days of account opening and a $100 referral bonus when referring your friends). With no monthly fees, no minimums, no deposit requirements, ATM fee reimbursement worldwide, and a current 1.8% APY (updated to 1.6% on 10/31/19) on your money, this looks to me like the biggest no-brainer I’ve seen in quite a while. The entire sign up process took me less time than it’ll take you to read this post and I expect to get my $50 bonus within a day or two based on the reports of others. After I refer a couple of friends and family members, this will be a really nice bonus for really minimal effort.

The Deal & Our SoFi Money Links

  • Sign up for a SoFi Money cash management account (which comes with a Visa debit card) and deposit at least $100 within 14 days and get a $50 bonus
  • Refer new members and get a $100 bonus $50 bonus (as of 11/5/19) for each person you refer up to $10K in bonuses. Feel free to sign up with one of our referral links with our thanks:
  • Note that there is also a separate SoFi investing account that you can optionally sign up for as well (and also comes with a new account bonus when opening through a referral). For more info on that, see the “SoFi Investing” section below.

Key Terms

  • Must be new to SoFi money to get a new account bonus
  • Cap of $10,000 in earned bonuses (combined new account and referrals) per customer within a calendar year
  • Referral Bonuses and Welcome Bonuses are each considered miscellaneous income and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable).
  • Only one referral reward and one welcome bonus per new customer: you will not receive multiple referral bonuses for the same friend taking out multiple loans or products, nor will your friend receive multiple welcome bonuses for taking out multiple loans or products.
  • SoFi mortgages are never eligible for the SoFi Referral Program
  • SoFi Money is a cash management account not a bank account, and is offered by a broker dealer. The SoFi Money account is a brokerage account. Neither SoFi nor its affiliates is a bank (note that according to Miles to Memories, your money is periodically deposited into FDIC-insured banks and may therefore be eligible for FDIC insurance once it arrives at a partner bank. I do not see this in the sign up terms, so YMMV).
  • SoFi will reimburse ATM fees at any ATM displaying the Visa®, Plus®, or NYCE® logo and will also reimburse any foreign exchange fees charged by Visa (though note that this is subject to change at any time along with the other program features)

Why this is a great deal

I’d kind of ignored the first few posts I saw about SoFi Money, but when I actually took a look at it I realized what a great deal this is. If you’re playing in 2-player mode (i.e. with a spouse or partner), you should clear at least $200 for four minutes of effort ($50 when you sign up and make your deposit, $100 for referring your significant other, and $50 when they sign up and make a deposit).

For years, the Charles Schwab debit card has been the key no-brainer for travelers in that the card reimburses ATM fees worldwide. That’s long been considered to be a great deal since you can withdraw cash when you travel (or when you’re at home) without paying a fee. The SoFi money card is a competitor that looks as good or better by most measures:

  • SoFi offers variable interest, currently 1.6% APY (as of Oct 31 2019)
  • There are no monthly fees
  • There are no monthly minimums
  • There is no direct deposit required
  • There are unlimited ATM fee reimbursements worldwide
  • Currently offers a $50 bonus when you join and deposit at least $100 within 14 days of opening your account (and reports indicate that the $50 bonus posts within a day or two of funding your account)

In a nutshell, this is a pretty solid cash management account that also happens to offer an easy $50 in free money when you sign up. They do note in the terms that things like their no-fee structure and APY can change at any time. The nice thing is that the new account bonus pays out immediately — I opened my account on Day 1 and referred two people and both my $50 bonus and both $100 referral bonuses posted to my account the very next day. In other words, if they change the fee structure in the future, you wouldn’t be stuck waiting months for your new account or referral bonuses to post.

Note that by comparison, the Schwab debit card also offers a new account bonus for those who have been referred. The Schwab bonus is $100 after depositing $100 to $24,999 and goes up from there. One could potentially get as much as a $500 bonus for transferring $100K in cash or securities. However, note that the Schwab debit card requires also opening a separate brokerage account and there is a hard pull associated with account opening. By contrast, SoFi does not require opening an investing account (though they do offer an investing account and an additional bonus for opening one which is noted below). There is no hard pull for a SoFi Money or SoFi investing account, so the bonus sure feels like nearly free money.

When signing up, you’ll have the ability to link your bank account from another institution to make your initial deposit, which can be done via the routing number and account number or by simply logging in to your external account to link it. I logged in to an account at a different institution and funding my account was quick and painless. It literally took me about 2 minutes to sign up and fund this account. It couldn’t have been easier.

SoFi will then send a Visa debit card in the mail in 7-10 days.

In order to get your referral link, you’ll need to download the SoFi app (available for both Apple and Android). As soon as I logged in to the app there was a banner at the top advertising the ability to get my link and refer friends, but see below for full details about how to find your referral links for the various SoFi products.

Bonuses post very quickly

Update 10/29/19: Here is the full timeline for me:

  • Wednesday, October 23rd around noon: opened my account through a referral. Funded SoFi Money with $200 and SoFi Active Investing with $100. Referred 2 people early in the day and others late in the day (after 6pm Eastern)
  • Thursday, October 24th morning: SoFi Money shows pending Money Welcome Bonus and Pending Money Referral bonuses for the two people referred before 6pm Eastern. SoFi Active Investing becomes available in my Investing account around 9:30am Eastern. SoFi Money deposit is not yet available for use, neither are pending referral bonuses.
  • Thursday, October 24th around 6:15pm Eastern: Referral bonuses from people referred after business hours on Wednesday post to my pending activity (no bonuses available for use yet)
  • Friday, October 25th around 9:30am: My initial account deposit of $200 becomes available for use in my SoFi Money account.
  • Tuesday, October 29th around 9:30am: My initial two referrals and $50 welcome bonus from business hours on Wednesday, October 23rd become available for use or transfer (current account balance shows $450: $200 from my initial deposit + $200 from two referrals + $50 from the welcome bonus (6 days from date of opening / referring)
  • Wednesday, October 30th: Free stock for opening and funding my SoFi Active Investing account shows up in my “Holdings” on the Invest tab (7 days from account opening)

Here’s more detail about how that worked:

On Wednesday, October 23rd, I deposited $200 from my Capital One account. I referred Greg and one other person before the close of business (before 6pm Eastern). The next morning, I saw two $100 referral bonuses and a $50 new account bonus in my pending account activity (this shows up at the bottom of the “Money” tab in the SoFi app). It was that fast. I don’t yet have a debit card to take the cash out of the ATM, but I assume I could likely ACH transfer to my bank if I wanted to. This is pretty awesome.

As you can see, this account is as quick and easy as easy money gets. It’s well worth signing up and getting at least your significant other involved if not a few friends/family members.

How to find your referral link

In order to get your referral link, you’ll need to download and install the app on your phone:

Once you download and install the app, login.

The first time I logged in, there was a banner ad at the top of the app advising me to click there to refer friends. A reader pointed out that this banner add can change (you can pull down in the app to refresh it) and show referral links for different SoFi products.

However, it’s easy to get your referral links for the specific SoFi products to which you want to refer others (SoFi Money, SoFi investing, etc). All you have to do is click the icon that looks like a universal “My Account” icon in the app (on the Android version, it was in the top left corner as shown below):

Then click the spot that says “Invite friends, earn up to $10k”.

That’ll take you to a full list of the various SoFi accounts to which you can refer others. Simply click on the type of account to which you wish to refer someone to generate your link.

Choose SoFi Money to refer someone to the cash management account. They get $50 when they fund it with $100 or more and you get $100.

From there, click the buttons to copy your link (so you can paste it in an email or our Frequent Miler Insiders group or the place of your choice), share it via social media or text messages, etc.

Just click where it says “copy link” to copy yours or share it via social media, text messages, email, etc.

How to find your referral totals

If you’re curious as to how much bonus you can expect so far, go to the same page where you found your referral link above and click the link that says “View referral stats”.

That will display your total number of referrals and total bonus earned (note this is cumulative: any $50 referrals earned from referring people to SoFi Investing will be summed here together with any $100 referrals from referring SoFi Money and your $50 new account bonus).

Sharing your referral link

If you’re looking for friends to refer, head over to our Frequent Miler Insiders Facebook group and find the relevant thread. List your link as a REPLY to my first comment on that thread. Referrals not following the directions will be deleted. Comments on this post that include a link will get caught in our spam filter and will not post, so head over to the Frequent Miler Insiders group instead to post your link.

How long does the debit card take to arrive?

SoFi says the debit card will arrive within 7-10 business days. I opened my account on October 23rd and the app gave me a pop on up October 29th saying that my debit card had shipped and would arrive by November 12th. In reality, I expect it should arrive sooner but do not yet know.

SoFi investing: also get $50 in free stock (sign up separately) / Our links

Update 11/9/19: The bonus on an Investing account has increased to $100 in free stock for the person signing up after depositing $1,000 and $100 for each person you refer. See this post for the most up-to-date info.

Update: This bonus has been increased as of 11/9/19. See this post for more details.

SoFi also offers an investing account for those interested. I didn’t dig too deeply into this, but I did sign up since it is also offering a $50 new account bonus (in this case paid out in the form of free stock in a company of your choice) when you open and fund your account with $100 by 10/31/19. You can fund via your SoFi account or a linked bank account. The sign up process was more or less identical to the Money account. Note that you don’t even need to buy stock with the $100 used to fund your investing account to trigger the $50 in stock, you just need to move $100 to the investing account. Options for free stock included mainstream stuff like Apple, Amazon, Google, some Vanguard ETFs, and a lot more. Here were just some of the options:

If you’re interested in opening a SoFi investing account, feel free to use our referral links with our thanks:

Bottom line

Once I dug into the details on this, I realized that it was such an easy win. If you know even two people who would open a free account that costs them nothing more than a few minutes of their time, that’s an easy $250 in your pocket in a few days. If one of those two referrals is your spouse, count another fifty bucks in your collective pockets once he or she gets their new account bonus. If you know three or four people who may be interested, you’ve got yourself a bonus rivaling most credit cards without any spending requirement. That’s a pretty awesome deal for very minimal effort. If you like low-hanging fruit, it’s harvest time.

Last updated on November 9th, 2019

About Nick Reyes

Nick Reyes is a (fairly) regular guy with an animalistic passion for maximizing the value of miles and money to travel the world in comfort and style. There is little in life that he loves more than finding a fantastic deal and helping you shop smarter & harder to achieve your travel dreams.

More articles by Nick Reyes »

Regarding comments: Comments posted at the bottom of Frequent Miler pages and posts are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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THEsocalledfan
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THEsocalledfan

Nick I don’t see how it all adds up to 250…..

Larry
Guest
Larry

I didn’t vote for you in 40k but I used your link!

Oedge
Guest
Oedge

I was rejected on a vague “we were unable to confirm certain required information” … I have had a bundle of cc’s with no probs so not sure where their issue lay. Hubby was accepted … yay …but then they couldnt transfer from his credit union account even after a manual entry … so no joy here.

Scott
Guest
Scott

It didn’t give me that referral option. It only gave me the one that I get
$100 for every one I refer that signs up for a SoFi Personal Loan or StudentLoan. Guess I’m only getting the $50.

Scott
Guest
Scott

Correction – it was I get $300 for every person I refer that opens up a Personal or Student Loan account. And they would get $100. But no one I know is going to do that – those have fees.

Mary
Guest
Mary

I had to really dig around but there’s an offer to get $100 per referral if you refer through their app. So you have to download the app, log in to your account, and then generate a link that you can send your friends.

Scott
Guest
Scott

Yes, this was in the app. Right after I downloaded it and logged in. It’s the only referral right there on the top of the initial page. Just like the article stated – except not the same one. When you say you had to ‘dig around’ what does that mean? Did you have to go to another part of the app?

Mary
Guest
Mary

No, I had missed the paragraph in the article above, stating that you needed to download the app to do referrals. So I was poking around on the SoFi website and I could see ways to do the same referrals for loans that you mentioned, but not referrals to open a money management account. I finally found a reference to the app offering $100 referrals for money management accounts, somewhere on the website, but it wasn’t anyplace prominent. Anyway, once I downloaded and logged into the app, I was able to make a referral to my husband to open a money management account. No idea why you’re not seeing that, sorry.

Scott
Guest
Scott

Ok, update: I closed the app and went back in. Each time I seemed to get a new referral (one for crypto, the personal/student loan one, etc…). I finally got this one, so I got my code and referred others. Let’s see if it all works. Thanks.

losingtrader
Guest
losingtrader

Too bad for you , Nick. I also got the “unable to verify certain information.

losingtrader
Guest
losingtrader

repeat

losingtrader
Guest
losingtrader

Tried again and I think the problem is using a VPN

Jimm
Guest
Jimm

I tried twice, no VPN, plain Safari browser (not private mode) and still said cannot create account. Chat gave me zero details. 837 FICO, 100k+… Bummer

Jimm
Guest
Jimm

Welp, logged on and was able to create a Money account from a browser using my home PC. Just didn’t like me doing it on my phone I guess…

Josh
Guest
Josh

There is still a hidden 1% fee on foreign transactions, although they reimburse ATM fees. So CapitalOne360 could be cheaper for foreign transactions depending on ATM fees (much less the Schwab card)

Brian Cogswell
Guest
Brian Cogswell

Yep, I got rejected trying to create the second account for my wife

Trell
Guest
Trell

Same here for my wife. But tried on same phone as my application.

Brett
Guest
Brett

Thanks for sharing this great deal Nick. I am happy to use anyone’s referral link who is willing to donate at least half of the $100 bonus towards a medical non-profit charity: Crohn’s and Colitis Foundation. I will be donating my $50 bonus as well. If interested, just reply with your link and I can send you my fundraising link after signing up.

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[…] Easy money: SoFi debit card new account / referral bonuses […]

Kevin
Guest
Kevin

It checks experian so a hard credit pull? I couldn’t open the account since I had a credit lock. It says to unlock and apply again. Anyone know if it is a hard pull?

trackback

[…] and when you sign up through a referral and deposit $100, you get a $50 new account bonus (See: Easy money: SoFi debit card new account / referral bonuses for more details). Furthermore, you get $100 for every person you refer who opens a new account and […]

Jeff
Guest
Jeff

I don’t agree this is a good alternative to Schwab. The problem is this is a new company without a long track record. I would rather have a bank that is stable and FDIC insured–Sofi money may or may not be insured, but I don’t want to test that if investors sour on a money-losing operation and they go belly up. Yes, it seems like a quick $50 and then a quick 100 per referral, but I would rather keep my money in an institution I know won’t lose it. I like the Schwab bank so much I’m going to cancel my regular PNC checking account and move everything over. Schwab is just better and cheaper.

CaveDweller
Guest
CaveDweller

Jeff
They transfer YOUR money to a bank (FDIC) then transfer out . What if they go BK during the transfer or it gos to their Grand Cayman account right before they Go too ?
CHEERs

YoniPDX
Guest
YoniPDX

I also noticed that about the FDIC will probably only keep $1K in the account more if going to countries where cash is a necessity.

Of course will also take advantage of as much of the free money as I can.

CaveDweller
Guest
CaveDweller

I’ve been very happy with Schwab use to trade with them . Never a hassle right THERE 24/7 with the Fraud stuff . I would keep one or the other but make sure their linked to ur main account as not to appear to Hide it to the Feds !!
CHEERs

CaveDweller
Guest
CaveDweller

Jeff
It’s the history like cc’s I’ve been with my bank for 30 years no cost anything $1500 balance ..So look before u Can , Whack Them .
CHEERs

Guest
Guest
Guest

Based on data here and on other groups about half of people are being denied with some vague “unable to verify” reason. Pretty disappointed.

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[…] tip to Frequent Miler (and many […]

Ethan
Guest
Ethan

I signed up through your referral link for the investment account, and they had me select a stock for my $50 bonus. However, it seems like somehow it was changed to a $25 bitcoin bonus, as yesterday all of a sudden $25 worth of bitcoin showed up in my account. Anyone else have this happen? Any idea why?

Frank
Guest
Frank

Greg, I used your wife’s link but …

“Under federal law, we are required to verify certain information about the identity of new account holders before opening new SoFi Money accounts. In reviewing your information, we were unable to confirm certain required information and are therefore unable to open a SoFi Money account for you at this time. We sincerely apologize for the inconvenience and we hope to be able to help in the future”.

Sounds fishy to me. Probably just wanted my details to sell.

Greg The Frequent Miler
Admin

The same thing happened to my son this morning then we tried again with a different email address and it worked. I can’t explain it.

Frank
Guest
Frank

I used a unique email address but how would anyone know that?

Charles
Guest
Charles

HI Gred, how were you able to resubmit your son’s application without an error? My initial application got denied with the “unable to confirm certain required information” message. When trying to resubmit the application using a different email and cell phone number, I got an error stating that the SSN had already been used…

Greg The Frequent Miler
Admin

I don’t know. I didn’t get that error

AlexL
Guest
AlexL

SoFi investing is soft pull or hard pull?

Adam
Guest
Adam

Application rejected? If you listed a VoIP phone number (including Google Voice), that could be why.

I was initially rejected, then re-applied using my actual mobile number, and then my application was accepted. I guess, sadly, that VoIP numbers are just used too often by sketchy folks for things like this :-(.

Greg The Frequent Miler
Admin

I would have guessed the same, but when my son’s first application was rejected (where he used his real cell phone number), I tried again as him with a different email address and with a Google Voice number and that application was accepted

Anthony
Guest
Anthony

Greg, can I refer my infant daughter?

Greg The Frequent Miler
Admin

I don’t think so. I don’t know what the minimum age for an account is. My son is 19.

Adam
Guest
Adam

Hmm! Very strange. Maybe their system is just messed up

trackback

[…] Money came out with a new account opening and referral bonus. I found this deal on one of my regular blogs. You can earn an easy $50 for signing up and $100 for […]

Ryan
Guest
Ryan

Thanks for the great post! Is there a requirement to keep the account open for a certain amount of time or maintain a certain balance?

Trell
Guest
Trell

I have 2 questions for everyone:
1) has anyone been able to withdraw their $100 investment
2) has anyone received their debit card yet

Having concerns now after all the bad reviews on BBB and Sofi doesn’t have a BBB rating after 8 years. Let me know your thoughts. Thanks.

Myke
Guest
Myke

I turned off IP Vanish (VPN) and then it worked.

Mike H
Guest
Mike H

Going to take a little more than a few minutes for me. It managed to lock out my Alliant CU account trying to log in as me to verify, so I had to unlock my account, and now jump through the “confirm the micro deposits” method. Hopefully it works out in the end. Used someone’s link in the Facebook thread.

Ernest B
Guest
Ernest B

Any idea on how SoFi feels about depositing money orders into their accounts?

Adam Hansen
Guest
Adam Hansen

I called and talked to a rep tonight. At this time they don’t accept money order deposits. She said it is a feature they want to bring out but had no timeline for it.

Larry Pensack
Guest
Larry Pensack

Hi, I signed up with your referral link, and never got a referral bonus. I opened the account with $100. Also gave my link to my daughter, and she signed up, and no referral. Any suggestions as to what I should do?

Ramon
Guest
Ramon

It’s been 4 days for me but no bonus yet…

Kevin
Guest
Kevin

Has anyone had their bonus money actually be deposited and available in their account yet? My $100 deposit is there and could be used, but all the bonuses are not available yet.

Sue
Guest
Sue

Can’t find any info on how long you need to keep the initial deposit in the account or how long you have to keep the account open. Anyone found anything?

veeRob
Guest
veeRob

Finally got off my ass and opened by account on the 26th. Today, the 29th, I got an email saying my account was closed:

“We noticed activity that indicates the account may have been used in violation of the SoFi Money Customer Agreement.”

Huh? I literally opened my account and haven’t even done anything with it. Screw this company.

MalMel
Guest
MalMel

My husband and I have a joint bank account. I have setup my SoFi and sent a referral to my husband. Can he setup his SoFi and link to the same bank account and still get the $50 bonus?

David
Guest
David

How did you open an investing account after opening the money account and get both referrals? Same sofi account or two different sofi accounts? (ie, different emails?)

-David

CJT
Guest
CJT

Is this still on? I joined using a link above yesterday and it said my account would be ready shortly. When I log in, I still get this message: “Your application has been submitted. We will email you when your new SoFi Money account is ready to use.” I can’t make a deposit bc I don’t have an account yet.

Joe Giorgianni
Guest
Joe Giorgianni

I’m a little nervous about this. I’m at 4/24 with Chase and working on my next Southwest Companion Pass. I don’t want anything to jeopardize getting another Southwest card in December when I’m 5/24.

onewomanarmy
Guest
onewomanarmy

Any more data points on opening two accounts (between me and my spouse) using the same bank account to fund? Another question, we have 360 cards through our bank, when we need cash, we transfer money from our main checking/savings account to this account and then use cards at ATMs. Is it possible to use this account for transfers such as this SoFi offer? I’ve not yet ventured into bank accounts and this will be our first jump, so I don’t know the ins and outs for transferring cash into a new account.

LIz
Guest
LIz

I opened and funded my account on Sunday the 27th. Using a referral link from the Facebook thread, of course. My $100 was finally made available yesterday the 30th, but there’s still no sign at all of the welcome bonus.

Josh
Guest
Josh

The investing links still work but mention the 10/31 deadline :O

Dave Boettcher
Guest
Dave Boettcher

So I’ve managed to log in but in creating the account when it asks me to enter the code I can’t get beyond 2 digits. They keep disappearing.
ANyone else have trouble with it?

Dave Boettcher
Guest
Dave Boettcher

Tried Internet explorer instead of chrome and it worked.

Crys
Guest
Crys

Used your referral link for new account opening. Thank you! I’m interested in creating an investing acct thru one of your links but would appreciate more info on how to cash out the investment and the costs of cashing out before opening. Any chance you can provide any info on that?

chad
Guest
chad

Any penalty for closing the account early after receiving bonus?

Sol
Guest
Sol

Any idea if the referral bonus will go back up to $100 (based on the history of SoFi referral bonuses)?