Both the Capital One SavorOne and Chase Freedom Flex are popular cashback rewards credit cards that offer generous rewards for dining and entertainment spending.
However, there are some key differences between them – let's compare them side by side to see which is best for your needs.
SavorOne vs Freedom Flex: General Comparison
The Capital One SavorOne and Chase Freedom Flex both offer attractive cashback rewards. The SavorOne stands out with unlimited higher cash back on dining and entertainment, making it a great option for food lovers and those who enjoy going out.
Meanwhile, the Chase Freedom Flex offers elevated cash back on rotating quarterly categories, like groceries, gas, and streaming services, giving you more flexibility in how you earn rewards.
Both cards come with a solid welcome bonus and 0% intro APR. However, the Freedom Flex is the only one that doesn’t charge foreign transaction fees.
Both cards offer a decent welcome bonus and 0% intro APR. Also, only the Freedom Flex card doesn't charge a foreign transaction fees.
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Cashback Battle: SavorOne vs Freedom Flex
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| |
|---|---|---|
Spend Per Category | Chase Freedom Flex | Capital One SavorOne |
$15,000 – U.S Supermarkets | $390 * | $450 |
$5,000 – Restaurants
| $90 | $150 |
$4,000 – Airline | $200 | $40 |
$3,000 – Hotels | $150 | $150 |
$4,000 – Gas | $40 | $40 |
Estimated Annual Value | $870 | $830 |
* 5% On Supermarkets up to $6,000
Which Extra Benefits You'll Get With Each Card?
In addition to the bonus points and welcome bonuses, both cards come with a variety of extra benefits.
Overall, the perks are similar, but it’s important to mention that the Chase Freedom Flex offers a broader selection of protections and insurance benefits, including cell phone protection and rental car insurance.
Chase Freedom Flex
- DashPass, Lyft, and Instacart Benefits: Complimentary DashPass, 5% cashback on Lyft rides, and Instacart+ membership with reduced fees and statement credits for eligible Instacart purchases, providing additional savings and convenience.
- Zero Liability Protection: Protection against unauthorized charges on your card or account.
- Purchase Protection: Covers new purchases against damage or theft for up to 120 days.
- Credit Journey: Personalized insights to help build, monitor, and protect your credit health, with free weekly credit score access and score analysis.
- Extended Warranty Protection: Extends U.S. manufacturer's warranties on eligible products by an additional year.
- Trip Cancellation/Interruption Insurance: Provides reimbursement for pre-paid, non-refundable passenger fares in case of trip cancellations or interruptions due to covered reasons.
- Cell Phone Protection: Up to $800 per claim and $1,000 per year for covered theft or damage on cell phones listed on your monthly bill.
- 24/7 Fraud Monitoring: Continuous monitoring for credit card fraud and immediate alerts of unusual purchases.
- Auto Rental Collision Damage Waiver: Coverage for theft and collision damage when you charge the rental cost to your card.
- Travel and Emergency Assistance Services: Access to legal, medical referrals, and emergency assistance while away from home.
Capital One SavorOne
- 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.
- 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.
- CreditWise: Receive alerts for changes in your TransUnion® or Experian® credit report.
- 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.
- Extended Warranty: There will be an extended warranty provider on eligible purchases through your credit card.
- Fraud Protection: You will not have any liability if your card is stolen and charges are made to your card.
- Complimentary Concierge Service: Access personalized assistance in dining, entertainment, and travel 24/7.
- $0 Fraud Liability: Enjoy peace of mind knowing that you won't be held responsible for unauthorized charges if your card is lost or stolen.
When You Might Want the Capital One SavorOne?
You might prefer the Capital One SavorOne if:
- Dining and Entertainment Enthusiasts: If a significant portion of your spending revolves around dining out and entertainment, the Capital One SavorOne is tailored for you with its unlimited 3% cash back on dining and entertainment purchases.
- You Value The Grocery Cashback Category: The Capital One SavorOne offers 3% cashback on grocery purchases, including grocery delivery services, which can be beneficial for frequent grocery shoppers.
- You Don't Want Rotating Categories: The Capital One SavorOne's fixed rewards structure eliminates the need to track and adapt to changing cashback categories, reducing the complexity of maximizing rewards.
When You Might Want the Chase Freedom Flex?
You might prefer the Chase Freedom Flex if:
- You Want A Travel Card Without Foreign Transaction Fees: The Chase Freedom Flex offers high cashback on travel purchases, and it doesn't charge foreign transaction fees, which is a valuable perk for frequent travelers.
- You Have Diverse Spending Habits: If your spending isn't heavily concentrated in dining, entertainment, or groceries, the Chase Freedom Flex's rotating 5% cashback categories can be more versatile.
- You Want To Combine Rewards With Other Chase Cards: If you already have Chase Ultimate Rewards cards like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®, you can transfer your Freedom Flex rewards to these cards to redeem them for travel at a higher value.
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Compare The Alternatives
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|
| |
|---|---|---|---|
Wells Fargo Active Cash℠ Card | Chase Freedom Unlimited® | Bank of America® Customized Cash Rewards credit card | |
Annual Fee | $0
| $0
| $0
|
Rewards |
2%
2% cash rewards on purchases (unlimited)
|
1.5% – 5%
5% cash back on travel booked through Chase Ultimate Rewards, 3% on dining (including takeout and eligible delivery), 3% on drugstore purchases, and 1.5% on all other purchases
|
1% – 5%
3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases. The 3% and 2% cash back available on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter (then 1%)
|
Welcome bonus |
$200
$200 cash rewards bonus when you spend $500 in purchases in the first 3 months
|
$250
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
|
$200
$200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
|
Foreign Transaction Fee | 3%
| 3%
| 3%
|
Purchase APR | 19.49% – 29.49% Variable APR
| 19.99 – 28.74% variable
| 18.74% – 28.74% Variable APR on purchases and balance transfers
|
Compare Capital One SavorOne
Higher Cash back and better sign up bonus, or no annual fee with lower rewards ratios?
The Capital One SavorOne is a clear winner in this comparison, but there are cases you'll want to Capital One QuicksilverOne. Here's why.
Capital One SavorOne vs QuicksilverOne: Side By Side Compariso
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When comparing rotating categories to flat-rate cash back rewards, need to analyze the categories & calculate – which card gives you more?
If you're looking for rotating cash back rewards, it's time to analyze the categories of each to understand which card gives you more.
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