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Chase Freedom Rise vs Capital One Savor for Students

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Capital One Savor for Students leads by 10.0 pts. Scores: Chase Freedom Rise 51.4%, Capital One Savor for Students 61.4%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Chase Freedom Rise nets $346/yr, Capital One Savor for Students nets $430/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeRise: 10.0 · Students: 10.0
Rewards rateRise: 6.0 · Students: 5.0
Sign-up bonusRise: n/a · Students: 0.7
Intro 0% APRRise: 0.0 · Students: 0.0
Regular APRRise: 6.3 · Students: 7.3
Foreign transaction feeRise: 3.0 · Students: 10.0
Regulatory record (CFPB)Rise: 10.0 · Students: 10.0

Chase Freedom Rise

IssuerChase
Typestudent
Annual fee$0 creditcards.chase.com, 2026-10-12
Regular purchase APR25.24% variable files.consumerfinance.gov, 2025-12-31
Rewards1.5% base creditcards.chase.com, 2026-10-12
Sign-up bonus (≈$)not found creditcards.chase.com, 2026-10-12
Intro APRnone No intro APR shown creditcards.chase.com, 2026-10-12
Foreign transaction fee3% files.consumerfinance.gov, 2025-12-31
Penalty APRup to 29.99% Chase's CFPB-filed agreements list a penalty APR of 'up to 29.99%'; agreements are not labeled by product, so this is issuer-level consumerfinance.gov, 2026-06-30
Late feeup to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer fee5% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit neededno credit score (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period21 days files.consumerfinance.gov, 2025-12-31
Cash advance APR28.49% files.consumerfinance.gov, 2025-12-31

Capital One Savor for Students

IssuerCapital One
Typestudent
Annual fee$0 capitalone.com, 2026-10-12
Regular purchase APR18.74%–28.74% variable capitalone.com, 2026-10-12
Rewards1% base; 3% dining; 3% groceries; 3% streaming capitalone.com, 2026-10-12
Sign-up bonus (≈$)$50 $50 after $100 in purchases within 3 months capitalone.com, 2026-10-12
Intro APRnone No intro APR shown capitalone.com, 2026-10-12
Foreign transaction feenone files.consumerfinance.gov, 2025-12-31
Penalty APRnone No penalty APR appears in the issuer's CFPB-filed agreement (only penalty fees are listed) consumerfinance.gov, 2026-06-30
Late feeup to $40 up to; Up to $29.00 for first late fee. files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit neededno credit score, ≤619, 620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.24% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)18.74%–29.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Downsides

Chase Freedom Rise51.4%
Chase · student
Annual fee $0APR 25.24% variableRewards 1.5% baseCredit no credit score (CFPB TCCP targeted tiers)
⚠ 3% foreign transaction fee · Penalty APR up to 29.99% · Late fee up to $40
Capital One Savor for Students61.4%
Capital One · student
Annual fee $0APR 18.74%–28.74% variableRewards 1% base; 3% dining; 3% groceries; 3% streamingCredit no credit score, ≤619, 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ APR up to 28.74% if you carry a balance · Late fee up to $40 · Grocery 3% excludes superstores like Walmart/Target per issuer terms.

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Chase Freedom Rise or Capital One Savor for Students?

On VaultRubric's rubric: Capital One Savor for Students scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.