Chase Freedom Rise vs. Capital One SavorOne Student Cash Rewards

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Chase Freedom Rise<sup>℠</sup> Chase Freedom Rise Capital One SavorOne Student Cash Rewards Card Capital One SavorOne Student Cash Rewards Card
8.3Lootrs Score

Lootrs Score 8.3

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
5.1
Regular APR
8.4
Rewards
8.3
Benefits
7.9
Welcome Bonus
8.3
Recommended Credit Score: 9
Foreign Transaction Fee: 8.8
Cash Advance Fee: 8.5
Balance Transfer Fee: 8.2
9.1Lootrs Score

Lootrs Score 9.1

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
10
Regular APR
8.5
Rewards
8
Benefits
8.8
Welcome Bonus
8
Recommended Credit Score: 8.5
Foreign Transaction Fee: 10
Cash Advance Fee: 9.7
Balance Transfer Fee: 9.5
ANNUAL FEE
$0 $0
INTRO APR
None 0% on Purchases and Balance Transfers for 15 months
REGULAR APR
26.74% Variable APR APR: 19.99%-29.99% Variable APR, Cash Advance APR: 29.99%, Variable
PROS
  • No annual fee
  • Unlimited 1.5% cash back on every purchase
  • Earns rewards
  • Does not require security deposit
  • Autopay bonus
  • No annual fee
  • No foreign transaction fees
  • 3% cash back rewards on dining, entertainment, and groceries.
  • $50 Cash Back when you spend $100 in the first three months.
  • 0% intro APR on purchases and balance transfers for 15 months
CONS
  • No bonus categories
  • High APR
  • Foreign fee
  • Low base rewards rate
  • May require a good credit score for approval.
  • There’s no introductory APR for new cardholders.
  • Limited rewards categories compared to other cards.
WELCOME BONUS
Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. Earn $50 Cash Back when you spend $100 in the first three months
REWARDS
Chase Freedom Rise Rewards program boasts exceptional flexibility in credit currency. Redeem your earnings through a multitude of options, including:
  • Earn 1.5% cash back on all your purchases with the Chase Freedom Rise Credit Card.
  • Score a $25 statement credit when you sign up for autopay within 3 months of opening your account (terms apply).
  • No annual fee or minimum redemption requirements, it's a hassle-free way to earn rewards.
Capital One SavorOne Student Cash Rewards Card Rewards stand out as a remarkably versatile credit currency. You have the flexibility to redeem your earnings in various ways, including:
  • 3% cash back rewards on dining, entertainment, and groceries.
  • 8% Cash back on Capital One Entertainment purchases
  • Earn a generous 10% cash back on Uber and Uber Eats transactions, along with complimentary Uber One membership statement credits until 11/14/2024
BENEFITS
Building credit - Designed for those new to credit, with potential for credit line increase. It's best for students. Simple rewards - Flat 1.5% cash back on all purchases, no categories to remember. No annual fee - Keep your rewards without worrying about yearly charges. Free credit monitoring - Track your progress and learn credit-building tips. $25 bonus - Get a statement credit for setting up autopay within 3 months. Generous Cash Back Rewards - Earn unlimited cash back on every purchase. Earn bonus rewards. They are for popular categories like dining, entertainment, and groceries. No Annual Fee - Enjoy all the card benefits. There's no annual fee. It's a cheap option for students, Small Business Owners and Cash Back Seekers. Introductory APR - Benefit from a 0% introductory APR on purchases for the first 15-month period, allowing you to make buy and pay them off over time without accruing interest. This 0% benefit helps you buy everything you need to start your student career. Exclusive Access to Uber Rewards - Earn 10% cash back on Uber and Uber Eats purchases, along with complimentary Uber One membership statement credits until a specified date. Student-Friendly Features - Capital One offers various student-friendly features, including credit monitoring tools, flexible payment options, and access to Capital One CreditWise for tracking your credit health.
CASH ADVANCE FEE / APR
Either $10 or 5% of the amount of each transaction, whichever is greater. 5% of the amount of the cash advance, but not less than $5
BALANCE TRANSFER FEE
$5 or 5% of the amount of each transfer, whichever is greater 0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 19.99% - 29.99% Variable APR
RECOMMENDED CREDIT SCORE
690 - 580 (Fair - Poor) 630 - 689 (Poor - Fair)
FOREIGN TRANSACTION FEE
3% None
BEST FOR
  • Students
  • Bad Credit
  • Everyday Spending
  • Cash Back Seekers
  • Students
  • Everyday Spending
  • Entertainment
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