SoFi CC - tasty new SUB and 3% CB!

SoFi offer I spotted on CK is looking mighty tasty. I had my eye on them, previously, and I actually do bank with them, heavily. Right now they are my primary banking since AOD tossed out the Siggy 3% flat CB and I no longer have my sights set on that goal. While keeping my options open to other flat CB CCs, I haven't even had luck getting a bank account with them to get offers, so this could be an good alternative. On to the offer: Screenshot_20220615-221948_Credit Karma.jpg Screenshot_20220615-221925_Credit Karma.jpg 3% for 1 year I could definitely take advantage of. Even past 1 year, I need a flat CB CC. I currently use my Cap One QS for everything and I am leaving 0.5% CB on the table. So having a 2% in my arsenal could come in handy if I still cant get in with those other banks to get higher CB. Now, my question would be regarding the SUB and the 3% CB the first year: What if one already has banking with them and direct deposit? Would that push me into a smaller, $200 SUB? Or would I automatically get the $400 SUB because I already bank with them? Another perk is they do what is becoming more common: SP pre-approvals - sorta. If you are denied, no HP, if you are approved then you take the HP. Seems more than fair to me. So if you get denied: no harm, no fowl. They also drop your interest rate 1% every year. Not huge, but something. No FTF and no AF. They also provide Cell Phone insurance (if you are interested in that type of perk). From the DPs I have seen, they also give good SLs. I still have until August/Sept until my app spree and they use EXfor approvals, so Sept, at earliest, as that is when my last CA gets the axe from my EX CR and is 100% clean....can't wait!