Jean Porter, a noted moral theologian, has argued that Karl Rahner’s influential theory of the fundamental option is of little practical use in actually attempting to live a holy and virtuous life. Thomas Aquinas’ account of the infused virtue of charity, she claims, offers a richer account of the Christian moral life and so is of greater practical use. This essay challenges this assertion by placing Rahner’s notion of fundamental option into dialogue with Thomistic caritas. It argues that the actions that Porter takes to be characteristic of charity—itself a controversial proposition—are themselves in need of greater specification and so not as “concrete” as Porter would have one believe. Beneficence, almsgiving, and fraternal correction must be interpreted in light of diverse historical and cultural circumstances. Rahner recognizes this problem and so is legitimately hesitant to over-specify the demands of neighbor love. Further the Thomistic account of virtues with its commitment to the unity of the virtues is not able to resolve the problem of the “flawed saint” or the virtuous non-believer’s prospects for salvation in the way Rahner’s account can. Thus the Thomistic program is far less detailed than Porter suggests and it involves considerable theological and pastoral costs.