SoFi Unlimited 2% vs TD Double Up Credit Card
Both cards cost $0/yr. The SoFi Unlimited 2% leads on travel; the TD Double Up Credit Card on everyday spending.
Card data as of November 13, 2026.
- SoFi Unlimited 2%
SoFi · No annual fee
- TD Double Up Credit Card
TD Bank · No annual fee
Overview
- Annual fee
- SoFi Unlimited 2%$0TD Double Up Credit Card$0
- Welcome offerCurrent public offer
- SoFi Unlimited 2%—TD Double Up Credit Card$200 cash back
- Rewards
- SoFi Unlimited 2%Cash backTD Double Up Credit Card—
- Foreign transaction fee
- SoFi Unlimited 2%NoneLowestTD Double Up Credit Card3%
- Network
- SoFi Unlimited 2%Mastercard World EliteTD Double Up Credit CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Everything else
- SoFi Unlimited 2%2%TD Double Up Credit Card2x
Statement creditsAs the issuer states them · — means none on record
- Rideshare & transit
- SoFi Unlimited 2%
- $5 Lyft + airport savings
TD Double Up Credit Card—
Perks & access— means none on record
- Hotel status & programs
- SoFi Unlimited 2%—TD Double Up 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 Double Up 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 Double Up Credit Card
- Up to $3,000 lost luggage coverage per trip
- Purchase & returns
- SoFi Unlimited 2%—TD Double Up Credit Card
- $500 per claim on theft or damage
- Extended warranty
- SoFi Unlimited 2%—TD Double Up Credit Card
- Extended warranty on eligible purchases · up to $1
- Cell phone
- SoFi Unlimited 2%
- Cell phone protection ($800/claim)
TD Double Up Credit Card- Up to $600 cell phone coverage per claim
- Other protections
- SoFi Unlimited 2%
- ID Theft Protection
TD Double Up Credit Card- Zero liability for unauthorized charges
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 Double Up Credit Card- Unlimited 2% cash back on all purchases with no category restrictions
- No annual fee
- $200 welcome bonus
- 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 Double Up Credit Card- Only available to residents of 16 East Coast states
- 3% foreign transaction fee
- $1,500 spend requirement for welcome bonus (higher than TD Cash)
- 2,500 points ($25) minimum redemption threshold
- Regional bank with limited branch footprint
Category-by-Category Winner
No unconditional category winner — 1 category depend on how you earn.
Travel
Depends: via issuer travel portal; Must book through the SoFi Travel portal (operated by Expedia)
SoFi Unlimited 2% earns 3X when conditions are met; TD Double Up Credit Card earns 2X (2X without restrictions)
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 Double Up Credit Card.
| Scenario | SoFi Unlimited 2% | TD Double Up 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 Double Up 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 Double Up Credit Card |
The Bottom Line
Ongoing value favors the SoFi Unlimited 2%; year-one value favors the TD Double Up Credit Card.
Frequently Asked Questions
- Which card earns more rewards, the SoFi Unlimited 2% or TD Double Up Credit Card?
- Both cards earn 2X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the SoFi Unlimited 2% have that the TD Double Up Credit Card doesn't?
- The SoFi Unlimited 2% offers cell phone protection. The TD Double Up Credit Card offers cell phone protection.
- Should I get the SoFi Unlimited 2% or the TD Double Up 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.