First-year winner
Tie
No meaningful gap
$583 vs $583
Compare Cards
Stack up the better credit card
Compare two cards side by side with your real spend, credits, fees, and rewards.
Card A
Card B
Monthly spend
Start with spending categories
Monthly Total
$2,430/mo
Reward assumptions
Credits & benefits
Count the credits and perks you actually expect to use. Credit rows start with conservative default values; edit them for your own merchant, timing, or travel friction.
Card A
SoFi Unlimited 2% Credit Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
SoFi Ecosystem Redemptions
Other · No listed cash value
The card is designed to work best when rewards flow back into the wider SoFi ecosystem for saving, investing, or debt payoff.
Perk
Flat-Rate Simplicity
Other · No listed cash value
The card is positioned as an uncomplicated catch-all card for users already active with SoFi.
Perk
No Annual Fee
Other · No listed cash value
You can keep the card long term without paying a recurring annual fee.
Perk
No Foreign Transaction Fees
Other · No listed cash value
Eligible international purchases do not incur an added foreign transaction surcharge.
Card B
Apple Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Daily Cash Ecosystem
Other · No listed cash value
Apple Card is built around Daily Cash with its best economics tied to Apple Pay and Apple purchases.
Perk
Apple Card Monthly Installments
Other · No listed cash value
Eligible Apple purchases can be financed through Apple Card Monthly Installments under issuer terms.
Perk
No Fee Structure
Other · No listed cash value
Apple Card is positioned around no annual, late, or foreign transaction fees.
Perk
No Annual Fee
Other · No listed cash value
You can keep the card long term without paying a recurring annual fee.
Verdict
These cards are closer than they look.
Winner after year 1
Tie
No meaningful gap
$583 vs $583
SoFi
SoFi Unlimited 2% Credit Card
Year One
$583
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$583
Annual rewards + counted benefits - fee
Annual Rewards
$583
2.00% effective return
Welcome Offer
None
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
No listed offer
No spend threshold in dataset
Why it wins
- • Stays usable for international purchases.
Watch for
- • There is no meaningful active welcome offer in the current dataset.
Apple
Apple Card
Year One
$583
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$583
Annual rewards + counted benefits - fee
Annual Rewards
$583
2.00% effective return
Welcome Offer
None
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
No listed offer
No spend threshold in dataset
Why it wins
- • Stays usable for international purchases.
Watch for
- • There is no meaningful active welcome offer in the current dataset.
Spend Mix Math
Where the value actually comes from
Category returns are based on the spend mix you entered, your point-value assumption, and the benefits you chose to count.
Dining
2%
$5,400
SoFi Unlimited 2%
$108
2.00%
Apple
$108
2.00%
Groceries
2%
$7,800
SoFi Unlimited 2%
$156
2.00%
Apple
$156
2.00%
Travel
2%
$3,000
SoFi Unlimited 2%
$60
2.00%
Apple
$60
2.00%
Gas
2%
$1,920
SoFi Unlimited 2%
$38
2.00%
Apple
$38
2.00%
General
2%
$11,040
SoFi Unlimited 2%
$221
2.00%
Apple
$221
2.00%
Total annual spend
$29,160 across this mix
SoFi Unlimited 2%$583
Apple$583
Raw Breakdown
Full side-by-side details
Use the spec table below when you want the literal field-by-field differences in rewards, benefits, transfer partners, fees, and approval profile.
| Metric | SoFi Unlimited 2% Credit Card | Apple Card |
|---|---|---|
| Costs | ||
| Annual fee | Free | Free |
| Foreign transaction fee | None | None |
| Rewards | ||
| Other rewards | — | 3% 3% Daily Cash on Apple purchases and select Apple Card partner merchants. |
| All rewards | 2% | 2% 2% Daily Cash on eligible purchases made with Apple Pay. |
| Benefits | ||
| Estimated benefits | 4 listed | 4 listed |
| Benefit highlights | SoFi Ecosystem Redemptions · Flat-Rate Simplicity · No Annual Fee · +1 more | Daily Cash Ecosystem · Apple Card Monthly Installments · No Fee Structure · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | — | mastercard |
| Reward type | Cashback | Cashback |
Costs
Annual fee
SoFi Unlimited 2% Credit Card
Free
Apple Card
Free
Foreign transaction fee
SoFi Unlimited 2% Credit Card
None
Apple Card
None
Rewards
Other rewards
SoFi Unlimited 2% Credit Card
—
Apple Card
3%
3% Daily Cash on Apple purchases and select Apple Card partner merchants.
All rewards
SoFi Unlimited 2% Credit Card
2%
Apple Card
2%
2% Daily Cash on eligible purchases made with Apple Pay.
Benefits
Estimated benefits
SoFi Unlimited 2% Credit Card
4 listed
Apple Card
4 listed
Benefit highlights
SoFi Unlimited 2% Credit Card
SoFi Ecosystem Redemptions · Flat-Rate Simplicity · No Annual Fee · +1 more
Apple Card
Daily Cash Ecosystem · Apple Card Monthly Installments · No Fee Structure · +1 more
Profile
Credit needed
SoFi Unlimited 2% Credit Card
Good
Apple Card
Good
Network
SoFi Unlimited 2% Credit Card
—
Apple Card
mastercard
Reward type
SoFi Unlimited 2% Credit Card
Cashback
Apple Card
Cashback