SoFi Unlimited 2% Credit Card vs U.S. Bank Cash+® Visa Signature® Card: fees, rewards and APR compared - DebitCue Skip to content
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SoFi Unlimited 2% Credit Card vs U.S. Bank Cash+® Visa Signature® Card

Compare SoFi Unlimited 2% Credit Card and U.S. Bank Cash+® Visa Signature® Card side by side: fees, rewards, APR, and perks.

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Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

SoFi Unlimited 2% Credit Card versus U.S. Bank Cash+® Visa Signature® Card compared by attribute
Feature SoFi Unlimited 2% Credit Card U.S. Bank Cash+® Visa Signature® Card
Card fee No fee No fee
Purchase APR (from) 18.49% 17.74%
Interest-free period 25 days -
Foreign transaction fee 0% 3%
Rewards Unlimited 2% cash back on all eligible purchases when redeemed into a SoFi financial account (checking, savings, invest, or loan payoff); 1% when redeemed as a statement credit. 3% cash back on travel booked through SoFi Travel portal. 5% cash back on two chosen categories each quarter (up to $2,000 combined quarterly spend, then 1%); 5% on prepaid travel via Rewards Center; 2% on one chosen everyday category (gas/EV, groceries, or dining); 1% on all other purchases.
Installments - U.S. Bank ExtendPay® Plans available with $0 fee offer in first 60 days
No card fee
No foreign transaction fee -
Welcome bonus
Airport lounge access - -
Travel insurance - -
Apple Pay / Google Pay

Which is right for you

Pick by how you spend

  • Choose the SoFi Unlimited 2% Credit Card if its checked rows above line up with how you spend most.
  • Choose the U.S. Bank Cash+® Visa Signature® Card if it wins on the features that matter most to you.
  • Still unsure? Read each full review below, then apply on the issuer's secure site.
Full review SoFi Unlimited 2% Credit Card Full review U.S. Bank Cash+® Visa Signature® Card

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