Editorial take: Capital One Savor
If you care about dining and groceries, this is one of the best no-fee cards available. 3% on four of your biggest categories with zero annual cost is hard to beat.
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Side-by-side
Capital One Savor vs Chime Credit Builder Secured Visa
Both are well-respected travel cards. The Capital One Savor comes from Capital One at $0/yr; the Chime Credit Builder Secured Visa from Chime at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Capital One Savor | Chime Credit Builder Secured Visa |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $250 cash back | None |
| Bonus value (est.) | $250 | $0 |
| Min spend to unlock bonus | $500 in 3 mo | $0 in 0 mo |
| Issuer | Capital One | Chime |
| Card category | cashback | secured |
| Best earning category (Dining) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Capital One Savor
$0/yr · $250 cash back
Read the full review
Chime Credit Builder Secured Visa
$0/yr · None
Editorial take: Chime Credit Builder Secured Visa
Common questions
- Which card has the bigger sign-up bonus, Capital One Savor or Chime Credit Builder Secured Visa?
- The Capital One Savor has the bigger bonus, $250 cash back, worth roughly $250, versus None (~$0) on the Chime Credit Builder Secured Visa.
- Is the Capital One Savor's $0 annual fee worth it compared to the Chime Credit Builder Secured Visa?
- The Capital One Savor has no annual fee, so the question is whether the Chime Credit Builder Secured Visa's $0 fee is justified by its perks. If you'll use enough of the Chime Credit Builder Secured Visa's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Capital One Savor.
- Can I have both the Capital One Savor and Chime Credit Builder Secured Visa?
- Yes, since they're from different issuers (Capital One and Chime) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Capital One Savor or the Chime Credit Builder Secured Visa first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Savor: $500 spend in 3 months. Chime Credit Builder Secured Visa: $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.