Chase Freedom Unlimited vs SoFi Credit Card 2023
In head-to-head competition, which of these rewards credit cards wins out? Here’s what each has to offer and how they fare when put to the ultimate test — the cash back you’ll earn for using them.
Chase Freedom Unlimited
Earn unlimited 3% cashback on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% on all other purchases. Earn an unlimited 5% on travel purchased through Chase Ultimate Rewards. New cardmembers earn a $200 bonus after spending $500 on purchases in the first three months of account opening. 0% intro APR for 15 months on purchases and balance transfers.
SoFi Credit Card
Earn 2 reward points for every dollar spent on eligible purchases. Redeem points at a rate of 1 cent per point if you elect to redeem as cash deposited into your SoFi Money account, as fractional shares into your SoFi Invest account, as cryptocurrency into your SoFi Active Invest account, or as a payment toward your SoFi Personal or Student Loan. Points redeem at a rate of 0.5 cents per point if you elect to redeem them as a statement credit into your SoFi Credit Card account.