SoFi Invest + Rakuten Bonus 2025: Get $125+ in Cash & Stock

💰 SoFi Invest + Rakuten Stacking Hack (2025): How to Turn $100 into $175+ in Free Cash and Stock

Updated October 6 2025

If you’re looking for one of the easiest cashback stacking hacks of 2025, here’s a deal that combines Rakuten and SoFi Invest for a potential $175+ in total value — just for opening an account and making a small deposit.

⚡ The Quick Version

Here’s how the deal breaks down:

• Rakuten Cashback for SoFi Invest: Get $110 cashback when you open a new SoFi Invest account through Rakuten and fund it with at least $100.

• SoFi Invest Bonus: SoFi gives new users at least $15 in free stock when you fund your account (the exact bonus varies by promotion).

• Rakuten New Member Bonus: If you’re new to Rakuten, you can get a $50 welcome bonus when you make your first $50 purchase.

  • It’s not clear if a SoFi deposit qualifies, but you can easily trigger it by buying a $50 gift card through a Rakuten partner — full instructions here.

✅ Total potential value:
$110 (Rakuten) + $15+ (SoFi) + $50 (Rakuten new member) = $175+ in free cash and stock

🪄 Step-by-Step: How to Stack the Bonuses

1. Sign Up for Rakuten (Get $50 Bonus)

If you’re not already a Rakuten member, join now using this link:
👉 Rakuten $50 New Member Bonus

Once your account is active, make a $50 purchase through Rakuten. If you’re not planning to buy anything, you can simply buy a $50 gift card through one of Rakuten’s partner stores to trigger the bonus. I believe the Sofi offer will also trigger the bonus, but no guarantees so better buy the gift card to guarantee the bonus. Details on this gift card hack can be found here

2. Click Through Rakuten to SoFi Invest

Next, go to Rakuten’s SoFi Invest offer page:
👉 SoFi Invest $110 Cashback on Rakuten

Click the link from Rakuten to SoFi and open a new SoFi Invest account.
Deposit $100 into your new account.

Once tracked, Rakuten will add $110 cashback to your account balance — usually within a few weeks after the deposit posts.

3. Get SoFi’s Own Sign-Up Bonus

When you open your SoFi Invest account and fund it, SoFi will also give you a minimum $15 bonus in stock.
This usually shows up within a few days of your first deposit.

👉 SoFi Invest Promotion Page (via Rakuten)

So for around a $100 deposit and a $50 gift card purchase, you can earn $175+ in value.

💡 Important Tips

• Always click through Rakuten last before signing up for SoFi — that ensures your cashback tracks properly.

• Rakuten usually pays out cashback quarterly, so expect your $110 bonus to show up later in the payout cycle.

• SoFi’s free stock posts within days, but it can take up to a week.

• Both Rakuten and SoFi promotions are subject to change, so act soon if you want to lock in these rates.

🧾 Quick Recap

1. Join Rakuten → Sign up here for $50 bonus

2. Go to SoFi through Rakuten → Activate SoFi Invest $110 Cashback

3. Deposit $100 into SoFi Invest

4. Get $15+ in stock from SoFi

5. Stack your Rakuten bonuses and enjoy your total $175+ haul

   
   

⚠️ Affiliate Disclosure

This post contains referral links. I may earn a commission if you sign up through them — at no additional cost to you. All offers are subject to each platform’s terms and may change without notice.

🚀 Final Thoughts

By combining Rakuten’s $110 cashback, SoFi’s stock bonus, and the Rakuten new-member $50, you can turn a $100 deposit into $175+ in total rewards — legit and straightforward.

This account has a $25 inactivity fee if you don't log-in for 6 months. I am planning on cashing out in 3 months after all my bonuses post.