The Capital One Savor Cash Rewards Credit Card and the Chase Freedom Unlimited® are simple, popular cash-back credit cards.
Choosing between these two cards ultimately depends on your lifestyle and spending habits, and this comparison will help you determine which one aligns better with your financial needs.
Comparison: Capital One Savor vs. Chase Unlimited
The Chase Freedom Unlimited card is a versatile cashback card suitable for travel and everyday spending. Also, the Freedom Unlimited card offers 0% intro APR which is not available via the Savor card.
On the other hand, the Capital One Savor card is designed for individuals who enjoy dining out, entertainment, and spend on supermarkets. It offers generous cashback rewards for these categories, making it an excellent choice for those who frequently attend events or buy groceries.
Capital One Savor | Chase Freedom Unlimited | |
Annual Fee | $95 | $0 |
Rewards | unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases. | 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases. |
Welcome bonus | $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening | Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. |
0% Intro APR | None | 15 months on purchases and balance transfers , then 20.24%–28.99% variable APR |
Foreign Transaction Fee | $0 | 3% |
Purchase APR | 19.99% – 29.99% Variable | 20.24%–28.99% variable |
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Cashback Rewards Battle: A Side-by-Side Analysis
When evaluating cashback rewards, the Savor card stands out due to its superior cashback rates for groceries and supermarket expenses. Conversely, the Freedom Unlimited card excels in offering enhanced rewards for flight-related spending.
If your primary expenditures revolve around travel, the Freedom Unlimited card could potentially yield greater rewards for you. However, if your spending predominantly centers on everyday purchases, the Savor card may prove to be the more lucrative choice, allowing you to accumulate higher cashback earnings.
Spend Per Category | Capital One Savor | Chase Freedom Unlimited |
$15,000 – U.S Supermarkets | $450 | $225 |
$5,000 – Restaurants
| $200 | $150 |
$5,000 – Airline | $50 | $250 |
$5,000 – Hotels | $250 | $250 |
$4,000 – Gas | $40 | $60 |
Estimated Annual Value | $990 | $935 |
Capital One Savor cardholders can redeem rewards for statement credits, cash back, or gift cards. They also have the flexibility to use their rewards for eligible purchases made through Amazon.com or to cover dining and entertainment expenses, providing versatile options to maximize the value of their earned rewards.
Chase Freedom Unlimited offers versatile redemption options. Earned cash back can be redeemed for statement credits, direct deposits, or purchases through the Chase Ultimate Rewards platform.
Which Extra Benefits You'll Get With Each Card?
Besides the bonus points and welcome bonuses, both cards come packed with additional perks. Overall, the extra benefits of the cards are quite similar, but Chase protections and insurance benefits are broader.
Capital One Savor
- Capital One Dining and Entertainment: Enjoy exclusive reservations at award-winning restaurants and access to culinary experiences, as well as exclusive pre-sales, tickets, and more for music, sports, and dining events.
- 5% Cash Back on Travel: Enjoy a generous 5% cash back on hotel and rental car bookings made through the Capital One Travel portal, providing significant savings on your travel expenses.
- Redeem Cashback On Paypal/Amazon: Capital One cardholders can easily redeem their cash back or miles to shop online at various retailers through PayPal and Amazon, making it convenient to use rewards for everyday purchases.
- 10% Cashback On Uber and Uber Eats Perks: Cardholders earn 10% cash back on purchases made with Uber and Uber Eats, in addition to receiving statement credits for an Uber One membership each month until November 14, 2024.
- No Foreign Transaction Fees: You won’t pay a transaction fee when making a purchase outside of the United States
- Purchase Protection: Safeguard your new purchases from damage or theft with comprehensive coverage.
- Extended Warranty Protection: Extend the existing U.S. manufacturer's warranty by an additional year for eligible warranties lasting three years or less.
- Travel Accident Insurance: Automatically receive insurance coverage for eligible losses when you use your credit card to purchase your travel fare.
- 24-Hour Travel Assistance Services: In the event of a lost or stolen credit card, access emergency services such as an immediate replacement card and cash advance.
Chase Freedom Unlimited
- Instacart+ Benefit: The Unlimited card provides a complimentary 3-month Instacart+ membership, offering unlimited deliveries with $0 delivery fees and reduced service fees on eligible orders.
- 5% Cash Back/5x Points on Lyft Rides: It offers enhanced rewards for Lyft rides through March 31, 2025, giving you 5% cash back or 5x points on these purchases.
- My Chase Plan: It also offer the option to use My Chase Plan, allowing you to pay off eligible purchases of $100 or more in equal monthly payments with no interest, just a fixed monthly fee
- Cellular Telephone Protection: The Unlimited card provides up to $600 in cell phone protection when you pay your monthly cell phone bill with the respective card, subject to a $25 deductible.
- Purchase Protection: The card offer purchase protection, covering your new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
- Extended Warranty Protection: The Freedom Unlimited card extends the time period of the U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less.
- Auto Rental Collision Damage Waiver: Get coverage for theft and collision damage when you decline the rental company's insurance and charge the entire rental cost to your card, applicable to most cars in the U.S. and abroad.
- Trip Cancellation/Interruption Insurance: The card provide reimbursement for pre-paid, non-refundable passenger fares up to $1,500 per person and $6,000 per trip if your trip is canceled or interrupted due to covered situations.
When You Might Want the Chase Freedom Unlimited Card?
You might prefer the Chase Freedom Unlimited card over the Capital One Savor in several situations:
- Travel Enthusiasts: If you frequently travel or make purchases related to travel, the Freedom Unlimited card's higher rewards on flights and other travel expenses can make it a more rewarding choice.
- You Need 0% Intro APR: The Freedom Unlimited card often offers competitive introductory APR offers, making it an attractive option if you plan to carry a balance or finance purchases with lower interest rates.
- You Want To Avoid The Annual Fee: The Freedom Unlimited card doesn't charge an annual fee and can be a good option for those who want to avoid the annual fee.
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When You Might Want the Capital One Savor Card?
You might prefer the Capital One Savor over the Chase Freedom Unlimited card in several scenarios:
- You Spend More Money On Dining, Entertainment, And Groceries Than On Travel: If you frequently dine out, attend concerts, sporting events, or enjoy other entertainment activities, the Savor card is an excellent choice. It offers higher cashback rewards in these categories, allowing you to maximize your savings on these experiences.
- You Want A Card With No Foreign Transaction Fees – with the Savir card you won't pay a transaction fee when making purchases outside of the United States.
Compare The Alternatives
Whether you're seeking travel rewards, a straightforward cashback system, or specific perks tailored to your lifestyle, these alternatives have something for everyone.
Bank of America® Travel Rewards credit card | Capital One Venture Rewards Credit Card | Wells Fargo Autograph℠ Card | |
Annual Fee | $0 | $95 | $0
|
Rewards |
1.5X
1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points
|
2X – 5X
2X miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel
| 1X – 3X
3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Also, earn 1X points on other purchases
|
Welcome bonus |
25,000 points
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – which can be redeemed for a $250 statement credit toward travel purchases
|
75,000 miles
| 20,000 Points
20,000 bonus points when you spend $1,000 in purchases in the first 3 months
|
Foreign Transaction Fee | $0 | $0 | $0
|
Purchase APR | 18.24% – 28.24% Variable APR will apply. | 19.99% – 29.99% (Variable)
| 20.24% – 29.99% variable
|
Compare Capital One Savor
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