Capital One Savor vs First Latitude Assent Mastercard Secured: Which Is Better In 2026?

First Latitude Assent Mastercard® Secured Credit Card Breakdown

‍

[[ SINGLE_CARD * {"id": "7626", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Credit Builders", "headerHint": "No Annual Fee"} ]]

‍

Why We Like It

‍

This section breaks down why we like the First Latitude Assent Mastercard® Secured Credit Card.

‍

• It's an accessible option for those new to credit or rebuilding their score, as applying won't impact your credit.
• The First Latitude Assent Mastercard® Secured Credit Card helps you build a positive payment history by reporting to all three major credit bureaus.
• It offers a unique rewards structure that encourages on-time payments, helping you establish good financial habits.

‍

‍

Pros

‍

• No minimum credit score is required for approval, making it accessible for those with poor or no credit history.
• Your security deposit is fully refundable when you close your account in good standing.
• Responsible use can help you build a positive credit history and eventually qualify for unsecured credit cards.

‍

Cons

‍

• It carries a high interest rate, making it expensive to carry a balance.
• There is no advertised program to graduate to an unsecured card after a period of responsible use.
• Getting your security deposit back requires closing the account and mailing in the physical card, which can be an inconvenience.

First Latitude Assent Mastercard® Secured Credit Card vs Capital One Savor Cash Rewards

‍

Categories

‍

When deciding which is better Capital One Savor or First Latitude Assent Mastercard Secured, it's important to understand that these cards serve entirely different purposes and are designed for completely different consumers.

‍

• Capital One Savor Cash Rewards: This card is best for consumers with established credit who spend frequently on dining, entertainment, and at grocery stores.
• First Latitude Assent Mastercard® Secured Credit Card: This secured card is designed for individuals who are looking to build or repair their credit history.

‍

Redemption

‍

Capital One Savor Cash Rewards: You can redeem the cash back you earn in a variety of ways, most commonly as a statement credit or a check. Other options like gift cards may also be available through the Capital One rewards portal.

‍

First Latitude Assent Mastercard® Secured Credit Card: As a card designed to help build or repair credit, it does not offer a rewards program. Consequently, there are no points or cash back available to redeem.

‍

Compare Top Rated Credit Cards with Kudos

‍

To make an informed decision, you can use a tool like Kudos to compare top-rated cards based on your own spending habits.

‍

• Test drive credit cards using your real spending data to see potential earnings before you apply.
• Receive a detailed analysis of your approval odds based on your credit report.
• Get a welcome offer guarantee, where Kudos will match a better offer if you find one within three months.
• Unlock a $100 Kudos Kickstart+ reward by adding select approved cards to your Kudos Wallet.
• Access a Chrome extension that autofills the best card to use at checkout to maximize your rewards.

Who Should Choose the Capital One Savor Cash Rewards?

‍

The Capital One Savor Cash Rewards Credit Card is a great fit for urban professionals and active families who frequently spend on dining out and entertainment. Its unlimited 3% cash back also extends to popular streaming services and at grocery stores, making it a versatile choice for everyday spending, while the absence of foreign transaction fees appeals to occasional travelers. Ultimately, this card is best for those seeking straightforward, valuable rewards on their lifestyle spending without the burden of an annual fee.

Who Should Choose the First Latitude Assent Mastercard® Secured Credit Card?

‍

The First Latitude Assent Mastercard® Secured Credit Card is designed for individuals who are just starting their credit journey or are in the process of rebuilding their credit after past financial difficulties. Since no credit history is required for approval, it serves as an accessible tool for establishing a positive payment history with the major credit bureaus. By using the card for small, everyday purchases and paying the balance on time, cardholders can demonstrate responsible credit use and work towards qualifying for unsecured cards in the future.

Alternatives to Consider

‍

If our Capital One Savor vs First Latitude Assent Mastercard Secured comparison has you feeling that neither the Capital One Savor Cash Rewards nor the First Latitude Assent Mastercard® Secured Credit Card is the right choice for you, don't worry. We've rounded up a few other excellent options to consider.

‍

[[ COMPARE_CARD * {"ids": ["509", "118"], "bestCategoryIds":["17", "18", "19"], "bestForTexts":["Exceptional Value", "Generous Travel Rewards"]} ]]

‍

_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

‍

Tips for Application Success

‍

Before You Apply

‍

• Know your credit score before applying to ensure you are a good candidate for the card.
• Plan for any requirements, such as a welcome offer spending goal or a security deposit.
• Review the card’s main features to confirm it matches your financial goals, whether that's earning rewards or building credit.

‍

Application Strategy

‍

• Check for pre-approval offers to see your options without impacting your credit score.
• Be mindful of issuer rules, as some limit how many cards you can have or how often you can apply.
• Time your application before a large planned purchase to help meet any spending requirements.

Our Methodology

‍

We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

‍

Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

‍

What credit score is needed for the Capital One Savor and First Latitude Assent Mastercard Secured?

‍

The Capital One Savor card is intended for users with good to excellent credit, while the First Latitude Assent Mastercard Secured is designed for those with poor or limited credit history.

‍

Which card is better for earning rewards?

‍

The Capital One Savor card offers a robust cash back rewards program focused on dining and entertainment. The First Latitude Assent Mastercard Secured is primarily a credit-building tool and does not feature a comparable rewards structure.

‍

Do I need a security deposit for both cards?

‍

No, a security deposit is only required for the First Latitude Assent Mastercard Secured, as it is a secured credit card. The Capital One Savor is an unsecured card and does not require a deposit.

‍

‍