SoFi Smart Card vs TD Cash Credit Card
Both cards cost $0/yr. The SoFi Smart Card leads on grocery stores; the TD Cash Credit Card on top spend category.
Card data as of November 13, 2026.
- SoFi Smart Card
SoFi · No annual fee
- TD Cash Credit Card
TD Bank · No annual fee
Overview
- Annual fee
- SoFi Smart Card$0TD Cash Credit Card$0
- Welcome offerCurrent public offer
- SoFi Smart Card—TD Cash Credit Card$200 cash back
- Rewards
- SoFi Smart CardCash backTD Cash Credit CardCash back
- Foreign transaction fee
- SoFi Smart Card—TD Cash Credit Card3%
- Network
- SoFi Smart CardMastercardTD Cash Credit CardVisa Signature
Earn ratesPer $1 spent
- Grocery Stores
- SoFi Smart Card5%HighestTD Cash Credit Card3%
- Dining
- SoFi Smart Card—Rate not publishedTD Cash Credit Card3%
- Entertainment
- SoFi Smart Card—Rate not publishedTD Cash Credit Card3%
- Gas Stations
- SoFi Smart Card—Rate not publishedTD Cash Credit Card3%
- Top Spend Category
- SoFi Smart Card—Rate not publishedTD Cash Credit Card3%
- Travel
- SoFi Smart Card—Rate not publishedTD Cash Credit Card3%
- Everything else
- SoFi Smart Card—Rate not publishedTD Cash Credit Card1%
Perks & access— means none on record
- Hotel status & programs
- SoFi Smart CardNot yet documentedTD Cash Credit Card
- Breakfast for 2, upgrades and VIP status at luxury hotels
- Other perks
- SoFi Smart CardNot yet documentedTD Cash Credit Card
- 24/7 Visa Signature Concierge service
- Free ticket + presale at Sofar Sounds concerts
Protections & insuranceLimits where published · — means none on record
- Baggage
- SoFi Smart CardNot yet documentedTD Cash Credit Card
- Up to $3,000 lost luggage coverage per trip
- Rental car
- SoFi Smart CardNot yet documentedTD Cash Credit Card
- Car rental benefits
- Purchase & returns
- SoFi Smart CardNot yet documentedTD Cash Credit Card
- $500 per claim on theft or damage
- Extended warranty
- SoFi Smart CardNot yet documentedTD Cash Credit Card
- Extended warranty adds up to 1 year
- Cell phone
- SoFi Smart CardNot yet documentedTD Cash Credit Card
- Cell phone protection
- Other protections
- SoFi Smart CardNot yet documentedTD Cash Credit Card
- Emergency card replacement
- Roadside Dispatch®
- Travel and emergency assistance services
Pros & cons
- Pros
- SoFi Smart Card
- Secured by your SoFi Checking and Savings balance, with no hard credit pull to apply
- Unlimited 5% cash back rewards on eligible grocery store purchases
- No annual fee
- SoFi reports Smart Card activity to Experian, so on-time payments can help build credit
TD Cash Credit Card- Customizable categories with 3% on one and 2% on another
- No annual fee
- $200 welcome bonus with $1,000 spend requirement
- 0% intro APR on balance transfers for 15 billing cycles (transfers within the first 90 days) and on purchases for 12 billing cycles
- Cell phone protection included
- Cons
- SoFi Smart Card
- Secured card - you need a SoFi Checking and Savings account, and the balance sets your spending limit
- The balance must be paid in full each month
- Superstores, warehouse clubs, convenience stores and grocery delivery do not count as grocery stores for the 5% rate
- Reports to Experian only
TD Cash Credit Card- Only available to residents of 16 East Coast states
- 3% foreign transaction fee
- Must remember to optimize category selections
- Only 1% on purchases outside chosen categories
- Regional bank limits branch availability
Category-by-Category Winner
The TD Cash Credit Card wins in 5 of 5 categories. The SoFi Smart Card leads in 0. 1 more category depend on booking channel or caps.
Grocery Stores
Depends: Excludes Walmart, Target, Costco, Sams Club, Instacart, Wholesale Clubs, Grocery Delivery. Other superstores and warehouse clubs, convenience stores, grocery delivery services and meal-kit delivery services are also not grocery stores. Available only to individual SoFi Checking and Savings accountholders, subject to application, approval and funding; the balance must be paid in full each month and SoFi Member Rewards terms apply.
SoFi Smart Card earns 5X when conditions are met; TD Cash Credit Card earns 3X (3X without restrictions)
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
Travel
TD Cash Credit Card earns 3X vs 1X
Year One vs Ongoing Value
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 Smart Card | TD Cash Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $120 | 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 |
Which Card Is Right for You?
Get the TD Cash Credit Card if you:
- +Spend $300+/month on restaurants and dining out
The Bottom Line
Both scenarios favor the TD Cash Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Frequently Asked Questions
- Which card earns more rewards, the SoFi Smart Card or TD Cash Credit Card?
- The TD Cash Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
- What benefits does the SoFi Smart Card have that the TD Cash Credit Card doesn't?
- The SoFi Smart Card focuses on earn rates, while the TD Cash Credit Card offers cell phone protection.
- Should I get the SoFi Smart Card or the TD Cash Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.