SoFi Unlimited 2% vs TD Cash Credit Card
Both cards cost $0/yr. The SoFi Unlimited 2% leads on travel; the TD Cash Credit Card on top spend category.
Card data as of November 13, 2026.
- SoFi Unlimited 2%
SoFi · No annual fee
- TD Cash Credit Card
TD Bank · No annual fee
Overview
- Annual fee
- SoFi Unlimited 2%$0TD Cash Credit Card$0
- Welcome offerCurrent public offer
- SoFi Unlimited 2%—TD Cash Credit Card$200 cash back
- Rewards
- SoFi Unlimited 2%Cash backTD Cash Credit CardCash back
- Foreign transaction fee
- SoFi Unlimited 2%NoneLowestTD Cash Credit Card3%
- Network
- SoFi Unlimited 2%Mastercard World EliteTD Cash Credit CardVisa Signature
Earn ratesPer $1 spent
- Dining
- SoFi Unlimited 2%2%TD Cash Credit Card3%Highest
- Entertainment
- SoFi Unlimited 2%2%TD Cash Credit Card3%Highest
- Gas Stations
- SoFi Unlimited 2%2%TD Cash Credit Card3%Highest
- Grocery Stores
- SoFi Unlimited 2%2%TD Cash Credit Card3%Highest
- Top Spend Category
- SoFi Unlimited 2%2%TD Cash Credit Card3%Highest
- Travel
- SoFi Unlimited 2%2%TD Cash Credit Card3%Highest
- Everything else
- SoFi Unlimited 2%2%HighestTD Cash Credit Card1%
Statement creditsAs the issuer states them · — means none on record
- Rideshare & transit
- SoFi Unlimited 2%
- $5 Lyft + airport savings
TD Cash Credit Card—
Perks & access— means none on record
- Hotel status & programs
- SoFi Unlimited 2%—TD Cash Credit Card
- Breakfast for 2, upgrades and VIP status at luxury hotels
- Other perks
- SoFi Unlimited 2%
- 24/7 personal concierge at your service
TD 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 Unlimited 2%—TD Cash Credit Card
- Up to $3,000 lost luggage coverage per trip
- Rental car
- SoFi Unlimited 2%—TD Cash Credit Card
- Car rental benefits
- Purchase & returns
- SoFi Unlimited 2%—TD Cash Credit Card
- $500 per claim on theft or damage
- Extended warranty
- SoFi Unlimited 2%—TD Cash Credit Card
- Extended warranty adds up to 1 year
- Cell phone
- SoFi Unlimited 2%
- Cell phone protection ($800/claim)
TD Cash Credit Card- Cell phone protection
- Other protections
- SoFi Unlimited 2%
- ID Theft Protection
TD Cash Credit Card- Emergency card replacement
- Roadside Dispatch®
- Travel and emergency assistance services
Pros & cons
- Pros
- SoFi Unlimited 2%
- Unlimited 2% cash back rewards on all eligible purchases, with no caps
- 3% cash back rewards on trips booked through SoFi Travel
- No annual fee and no foreign transaction fees
- World Elite Mastercard benefits and cell phone protection ($800 per claim, $1,000 per year)
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 Unlimited 2%
- Currently invite only - the issuer says to check your mailbox for an offer
- Designed for applicants with excellent credit
- Variable APR of 20.24% to 32.99% makes carrying a balance expensive
- Balance transfers are currently limited to recipients of promotional offers
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 6 categories. The SoFi Unlimited 2% leads in 1.
Top Spend Category
TD Cash Credit Card earns 3X vs 2X
Dining
TD Cash Credit Card earns 3X vs 2X
Entertainment
TD Cash Credit Card earns 3X vs 2X
Gas Stations
TD Cash Credit Card earns 3X vs 2X
Grocery Stores
TD Cash Credit Card earns 3X vs 2X
Everyday purchases
SoFi Unlimited 2% earns 2X on all other spending 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.
Ongoing value favors the SoFi Unlimited 2%; year-one value favors the TD Cash Credit Card.
| Scenario | SoFi Unlimited 2% | TD Cash Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $240 Credits (our usable estimate): $20 − Annual fee ($0) Ongoing: $260 Year one: $260 | Rewards: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $440 | SoFi Unlimited 2% | TD Cash Credit Card |
| Heavy spender: $4,000/month | Rewards: $960 Credits (our usable estimate): $20 − Annual fee ($0) Ongoing: $980 Year one: $980 | Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $1,160 | SoFi Unlimited 2% | TD Cash Credit Card |
Which Card Is Right for You?
Get the SoFi Unlimited 2% if you:
- +Prefer a high flat rate across all spending
Get the TD Cash Credit Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
The Bottom Line
Ongoing value favors the SoFi Unlimited 2%; year-one value favors the TD Cash Credit Card.
Everyday (non-bonus) spend earns 2X on the SoFi Unlimited 2% vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the SoFi Unlimited 2% or TD Cash Credit Card?
- The SoFi Unlimited 2% has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the SoFi Unlimited 2% have that the TD Cash Credit Card doesn't?
- The SoFi Unlimited 2% offers cell phone protection. The TD Cash Credit Card offers cell phone protection.
- Should I get the SoFi Unlimited 2% 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.