Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Both cards cost $0/yr. The SoFi Credit Card leads on travel; the TD Cash Credit Card on top spend category.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | SoFi Credit Card | TD Cash Credit Card |
|---|---|---|
| Dining | 1X | 3X |
| Entertainment | 1X | 3X |
| Gas Stations | 1X | 3X |
| Grocery Stores | 1X | 3X |
| Top Spend Category | 1X | 3X |
| Travel | 1X | 3X |
Network
Key Benefits
Pros
Cons
The TD Cash Credit Card wins in 5 of 5 categories. The SoFi Credit Card leads in 0.
Top Spend Category
TD Cash Credit Card earns 3X vs 1X
Dining
TD Cash Credit Card earns 3X vs 1X
Entertainment
TD Cash Credit Card earns 3X vs 1X
Gas Stations
TD Cash Credit Card earns 3X vs 1X
Grocery Stores
TD Cash Credit Card earns 3X vs 1X
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the TD Cash Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | SoFi Credit Card | TD Cash Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month |
Both scenarios favor the TD Cash Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Rewards: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $440 |
| TD Cash Credit Card |
| TD Cash Credit Card |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $480 | Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $1,160 | TD Cash Credit Card | TD Cash Credit Card |
Get the TD Cash Credit Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
