| Category | Rate | Type | Cap |
|---|---|---|---|
|
Soma Purchases
On qualifying purchases made in-store at Soma and Soma Outlets and online at soma.com; excludes third-party merchandise, gift cards, and certain other exclusions per program terms.
|
7.5x | Points | No cap |
|
Grocery Stores
Soma Mastercard only; merchants must submit charges under the appropriate grocery merchant category code to qualify; not available on the Soma Credit Card private label store card.
|
2x | Points | No cap |
|
Restaurants
Soma Mastercard only; merchants must submit charges under the appropriate restaurant merchant category code to qualify; not available on the Soma Credit Card private label store card.
|
2x | Points | No cap |
|
Chico's and White House Black Market Purchases
Primary Soma Mastercard cardmembers earn 1% back in points credited to their Soma My Rewards account on qualifying purchases made at Chico's and White House Black Market stores.
|
1x | Points | No cap |
|
All Other Purchases
Soma Mastercard only; earned everywhere else Mastercard is accepted outside of Soma, grocery stores, and restaurants; not available on the Soma Credit Card private label store card.
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
15% Off First Purchase
New cardholders receive 15% off their first Soma purchase when the card is opened and used the same day in-store or within 48 hours online after approval.
|
Credits | 15% discount |
|
Instant Credit and Digital Wallet Access
Cardholders approved online can immediately add their new card to Apple Pay (both cards), Google Pay (Mastercard only), or Samsung Pay (Mastercard only) and begin shopping at Soma before the physical card arrives.
|
Financial | Complimentary |
|
No Annual Fee
The Soma Credit Card and Soma Mastercard carry no annual fee for cardholders.
|
Financial | $0 Annual Fee |
|
Prequalification Without Hard Inquiry
Applicants can check eligibility through Synchrony's prequalification process without impacting their credit score; a hard inquiry only occurs upon full application submission.
|
Financial | Complimentary |
|
Birthday Reward
Cardholders receive a special birthday reward offer during their birthday month as part of the Soma My Rewards program.
|
Lifestyle | Complimentary |
|
Exclusive Cardmember Offers
Soma credit cardholders receive access to exclusive offers, promotions, and early access events throughout the year as part of the Soma My Rewards program.
|
Lifestyle | Complimentary |
|
1% Back at Chico's and White House Black Market (Mastercard Only)
Primary Soma Mastercard cardholders earn 1 point per $1 on qualifying purchases made at Chico's and White House Black Market stores, credited to their Soma My Rewards account.
|
Rewards | 1% back in points |
|
1% Back on All Other Mastercard Purchases (Mastercard Only)
Soma Mastercard cardholders earn 1 point per $1 (1% back) on all other purchases made everywhere Mastercard is accepted outside of Soma and bonus categories; not available on the Soma Credit Card store card.
|
Rewards | 1% back in points |
|
2% Back at Grocery Stores and Restaurants (Mastercard Only)
Soma Mastercard cardholders earn 2 points per $1 (2% back) on purchases made at grocery stores and restaurants everywhere Mastercard is accepted; not available on the Soma Credit Card store card.
|
Rewards | 2% back in points |
|
7.5% Back at Soma
Cardholders earn 7.5 points per $1 (equivalent to 7.5% back) on qualifying purchases made at Soma, Soma Outlets, and online at soma.com.
|
Rewards | 7.5% back in points |
|
Soma My Rewards Certificate — $5 per 500 Points
Every 500 points earned are automatically converted to a $5 Soma My Rewards certificate redeemable on future qualifying Soma purchases; certificates expire 180 days from issuance.
|
Rewards |
$5 certificate per 500 points
Up to $5
|
|
Zero Liability Fraud Protection
Cardholders are not held responsible for unauthorized purchases made on their account, as provided by Synchrony Bank.
|
Security | Complimentary |
|
Free Shipping with No Minimum (Soma Credit Card)
Soma Credit Card and Soma Mastercard cardholders receive complimentary standard shipping on qualifying online Soma purchases with no minimum order amount required (continental US only).
|
Shopping | Complimentary |
