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Side-by-side
SoFi Everyday Cash Rewards vs TD First Class Visa Signature Credit Card
Both are well-respected travel cards. The SoFi Everyday Cash Rewards comes from SoFi at $0/yr; the TD First Class Visa Signature Credit Card from TD Bank at $89/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | SoFi Everyday Cash Rewards | TD First Class Visa Signature Credit Card |
|---|---|---|
| Annual fee | $0 | $89 |
| Sign-up bonus | None publicly advertised | 25,000 bonus miles |
| Bonus value (est.) | $0 | $250 |
| Min spend to unlock bonus | $0 in 0 mo | $3,000 in 6 mo |
| Issuer | SoFi | TD Bank |
| Card category | travel | |
| Best earning category (Dining) | 3x | 3x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
SoFi Everyday Cash Rewards
$0/yr · None publicly advertised
Read the full review
TD First Class Visa Signature Credit Card
$89/yr · 25,000 bonus miles
Editorial take: TD First Class Visa Signature Credit Card
Common questions
- Which card has the bigger sign-up bonus, SoFi Everyday Cash Rewards or TD First Class Visa Signature Credit Card?
- The TD First Class Visa Signature Credit Card has the bigger bonus, 25,000 bonus miles, worth roughly $250, versus None publicly advertised (~$0) on the SoFi Everyday Cash Rewards.
- Is the SoFi Everyday Cash Rewards's $0 annual fee worth it compared to the TD First Class Visa Signature Credit Card?
- The SoFi Everyday Cash Rewards has no annual fee, so the question is whether the TD First Class Visa Signature Credit Card's $89 fee is justified by its perks. If you'll use enough of the TD First Class Visa Signature Credit Card's benefits to clear $89 in value annually, it's worth it; otherwise stick with the SoFi Everyday Cash Rewards.
- Can I have both the SoFi Everyday Cash Rewards and TD First Class Visa Signature Credit Card?
- Yes, since they're from different issuers (SoFi and TD Bank) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the SoFi Everyday Cash Rewards or the TD First Class Visa Signature Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. SoFi Everyday Cash Rewards: $0 spend in 0 months. TD First Class Visa Signature Credit Card: $3,000 in 6 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.