Heads up, SoFi credit card users! Some folks are getting an unwelcome email about a new $10 monthly fee hitting their accounts starting February 23, 2026. SoFi claims this is to maintain current card benefits, but it stings, especially since there's no clear reason *why* some cardholders are targeted and others aren't. Customer service reps say it's only hitting a small segment, but it's worth checking your inbox! Why should you care? Well, a $10 monthly fee essentially wipes out a chunk of your rewards, especially if you don't spend a ton. The article mentions an alternative: upgrading to SoFi Plus for the same $10 monthly fee. This could allow users to earn 2.2% cash back. If you find yourself targeted, you've got a decision to make. Either close the card before the fee kicks in, or explore SoFi Plus to potentially squeeze more value from your spending. Keep a close eye on your email and consider your spending habits to see if the upgrade makes sense.