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Capital One Savor Cash Rewards vs Chase Freedom Unlimited
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Capital One Savor Cash RewardsCapital One | Chase Freedom UnlimitedChase |
|---|---|---|
| Rating | 4.4/5 | 4.6/5 |
| Annual Fee | $0 | $0 |
| APR | 18.49% - 28.49% | 18.24% - 27.74% |
| Signup Bonus | $200 cash bonus after spending $500 in 3 months | $250 bonus after spending $500 in 3 months |
| Rewards Rate | 3% on dining, entertainment, grocery stores, and popular streaming, 1% on everything else | 5% on travel via Chase, 3% on dining & drugstores, 1.5% on everything else |
| Credit Score | good | good |
| Pros | 3% back on dining, entertainment, groceries, and streaming with no annual fee 0% intro APR for 12 months on purchases and balance transfers No foreign transaction fees | 1.5% base rate beats most flat-rate cards 0% intro APR for 15 months on purchases and balance transfers Pairs perfectly with Chase Sapphire for point transfers |
| Cons | Only 1% on non-category purchases No premium travel perks 3% categories less competitive than Amex Gold's 4% | 3% foreign transaction fee Points worth more when paired with a Sapphire card No premium perks |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Freedom Unlimited
With a 4.6/5 rating, the Chase Freedom Unlimited edges out the Capital One Savor Cash Rewards (4.4/5). No annual fee makes it easy to justify. The Freedom Unlimited is the best no-fee companion card. With 1.5% on everything plus 3% on dining, it earns strong rewards solo — and becomes elite when paired with a Chase Sapphire for point transfers.