Capital One Savor Cash Rewards Credit Card vs. Chase Freedom Unlimited
On the criteria below, Capital One Savor Cash Rewards Credit Card wins 3 of 4. The verdict depends on which criteria matter to you.
Capital One Savor Cash Rewards Credit Card
Capital One
Chase Freedom Unlimited
Chase
Capital One Savor Cash Rewards Credit Card wins 3 of 4 criteria here, making it the stronger all-rounder.
Capital One Savor Cash Rewards Credit Card leads on first-year math, earning ceiling, and foreign transactions, while Chase Freedom Unlimited only ties the rest.
Pick the Capital One Savor Cash Rewards Credit Card if year-one math is your priority.
Who wins what
3 vs 0 (1 tie)- First-year math Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card earns more on its best category (8× vs 5×).
- Foreign transactions Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $250
- $200
- First-year net
- +$250
- +$200
- Peak earning rate
- 8×
- 5×
- Top categories
- Capital One Entertainment, Travel Portal, Dining
- Chase Travel, Dining, Drugstores
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- Cashback
- Chase Ultimate Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.