Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
SoFi Credit Card vs TD Cash Credit Card (2026)
Home / Compare / SoFi Credit Card vs TD Cash Credit Card SoFi Credit Card vs TD Cash Credit Card Both cards cost $0/yr. The SoFi Credit Card is better for travel, while the TD Cash Credit Card wins on customizable primary. Here's how they compare.
Earn Rates Category SoFi Credit Card TD Cash Credit Card Customizable Primary 1X 3X Dining 1X 3X Entertainment 1X 3X Gas Stations 1X 3X Grocery Stores 1X 3X Travel 1X 3X
Pros & Cons Pros
+ 2% unlimited cash back on all purchases when redeemed to SoFi accounts+ 3% cash back on travel booked through SoFi Travel portal+ No annual fee+ No foreign transaction fees+ No balance transfer fee for transfers within first 30 days+ Customizable categories with 3% on one and 2% on another+ No annual fee+ $200 welcome bonus with $1,000 spend requirement+ 15-month 0% intro APR on balance transfers+ Cell phone protection includedCons
− Only 1% cash back if not redeemed to SoFi accounts− Requires SoFi account to maximize rewards− Must redeem to SoFi accounts (cannot redeem as statement credit for full rate)Category-by-Category Winner The TD Cash Credit Card wins in 7 of 7 categories. The SoFi Credit Card leads in 0.
W Customizable Primary
TD Cash Credit Card earns 3X vs 1X
W Dining
TD Cash Credit Card earns 3X vs 1X
W Entertainment
TD Cash Credit Card earns 3X vs 1X
W Gas Stations
TD Cash Credit Card earns 3X vs 1X
W Grocery Stores
TD Cash Credit Card earns 3X vs 1X
W Travel
TD Cash Credit Card earns 3X vs 1X
W Customizable Secondary
TD Cash Credit Card earns 2X vs 1X
Which Card Is Right for You? Get the TD Cash Credit Card if you:
+ Spend $300+/month on restaurants and dining outFrequently Asked Questions
Which card earns more rewards, the SoFi Credit Card or TD Cash Credit Card? Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the SoFi Credit 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: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
Home / Compare / SoFi Credit Card vs TD Cash Credit Card SoFi Credit Card vs TD Cash Credit Card Both cards cost $0/yr. The SoFi Credit Card is better for travel, while the TD Cash Credit Card wins on customizable primary. Here's how they compare.
Earn Rates Category SoFi Credit Card TD Cash Credit Card Customizable Primary 1X 3X Dining 1X 3X Entertainment 1X 3X Gas Stations 1X 3X Grocery Stores 1X 3X Travel 1X 3X
Pros & Cons Pros
+ 2% unlimited cash back on all purchases when redeemed to SoFi accounts+ 3% cash back on travel booked through SoFi Travel portal+ No annual fee+ No foreign transaction fees+ No balance transfer fee for transfers within first 30 days+ Customizable categories with 3% on one and 2% on another+ No annual fee+ $200 welcome bonus with $1,000 spend requirement+ 15-month 0% intro APR on balance transfers+ Cell phone protection includedCons
− Only 1% cash back if not redeemed to SoFi accounts− Requires SoFi account to maximize rewards− Must redeem to SoFi accounts (cannot redeem as statement credit for full rate)Category-by-Category Winner The TD Cash Credit Card wins in 7 of 7 categories. The SoFi Credit Card leads in 0.
W Customizable Primary
TD Cash Credit Card earns 3X vs 1X
W Dining
TD Cash Credit Card earns 3X vs 1X
W Entertainment
TD Cash Credit Card earns 3X vs 1X
W Gas Stations
TD Cash Credit Card earns 3X vs 1X
W Grocery Stores
TD Cash Credit Card earns 3X vs 1X
W Travel
TD Cash Credit Card earns 3X vs 1X
W Customizable Secondary
TD Cash Credit Card earns 2X vs 1X
Which Card Is Right for You? Get the TD Cash Credit Card if you:
+ Spend $300+/month on restaurants and dining outFrequently Asked Questions
Which card earns more rewards, the SoFi Credit Card or TD Cash Credit Card? Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the SoFi Credit 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: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
Home / Compare / SoFi Credit Card vs TD Cash Credit Card SoFi Credit Card vs TD Cash Credit Card Both cards cost $0/yr. The SoFi Credit Card is better for travel, while the TD Cash Credit Card wins on customizable primary. Here's how they compare.
Earn Rates Category SoFi Credit Card TD Cash Credit Card Customizable Primary 1X 3X Dining 1X 3X Entertainment 1X 3X Gas Stations 1X 3X Grocery Stores 1X 3X Travel 1X 3X
Pros & Cons Pros
+ 2% unlimited cash back on all purchases when redeemed to SoFi accounts+ 3% cash back on travel booked through SoFi Travel portal+ No annual fee+ No foreign transaction fees+ No balance transfer fee for transfers within first 30 days+ Customizable categories with 3% on one and 2% on another+ No annual fee+ $200 welcome bonus with $1,000 spend requirement+ 15-month 0% intro APR on balance transfers+ Cell phone protection includedCons
− Only 1% cash back if not redeemed to SoFi accounts− Requires SoFi account to maximize rewards− Must redeem to SoFi accounts (cannot redeem as statement credit for full rate)Category-by-Category Winner The TD Cash Credit Card wins in 7 of 7 categories. The SoFi Credit Card leads in 0.
W Customizable Primary
TD Cash Credit Card earns 3X vs 1X
W Dining
TD Cash Credit Card earns 3X vs 1X
W Entertainment
TD Cash Credit Card earns 3X vs 1X
W Gas Stations
TD Cash Credit Card earns 3X vs 1X
W Grocery Stores
TD Cash Credit Card earns 3X vs 1X
W Travel
TD Cash Credit Card earns 3X vs 1X
W Customizable Secondary
TD Cash Credit Card earns 2X vs 1X
Which Card Is Right for You? Get the TD Cash Credit Card if you:
+ Spend $300+/month on restaurants and dining outFrequently Asked Questions
Which card earns more rewards, the SoFi Credit Card or TD Cash Credit Card? Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the SoFi Credit 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: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
Customizable Secondary 1X 2X
− No bonus categories above 2% (except travel portal)
− No sign-up bonus guaranteed (varies by offer)− 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+
Customizable Secondary 1X 2X
− No bonus categories above 2% (except travel portal)
− No sign-up bonus guaranteed (varies by offer)− 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+
Customizable Secondary 1X 2X
− No bonus categories above 2% (except travel portal)
− No sign-up bonus guaranteed (varies by offer)− 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+
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