Which card earns more rewards, the Capital One Savor Cash Rewards Credit Card or Chase Freedom Flex?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Capital One Savor Cash Rewards Credit Card have that the Chase Freedom Flex doesn't?

The Capital One Savor Cash Rewards Credit Card focuses on earn rates, while the Chase Freedom Flex offers dining credits.

Should I get the Capital One Savor Cash Rewards Credit Card or the Chase Freedom Flex?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Capital One Savor Cash Rewards Credit Card vs Chase Freedom Flex

Both cards cost $0/yr. The Capital One Savor Cash Rewards Credit Card leads on dining; the Chase Freedom Flex on rotating quarterly.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Capital One Savor Cash Rewards Credit Card Capital One · No annual fee	Chase Freedom Flex Chase · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	$200 cash back	$250 cash back
Rewards	Cash back	Cash back
Foreign transaction fee	None	None
Network	Mastercard World Elite	Mastercard World Elite
Earn ratesPer $1 spent
Rotating Quarterly	1%	5% Highest
Dining	3%	3%
Drugstores	1%	3% Highest
Entertainment	3% Highest	1%
Grocery Stores	3% Highest	1%
Streaming	3% Highest	1%
Everything else	1%	1%
Statement creditsAs the issuer states them · — means none on record
Dining & delivery	—	DoorDash DashPass DoorDash DashPass · $60 one-time
Perks & access— means none on record
Other perks	Capital One Dining Complimentary Concierge Service	No foreign transaction fees on purchases worldwide 24/7 roadside assistance for towing and emergencies 24/7 travel assistance anywhere in the world
Protections & insuranceLimits where published · — means none on record
Trip insurance	Travel accident insurance	Up to $6,000 trip cancellation and interruption coverage
Rental car	—	Secondary rental coverage when you skip the counter option
Purchase & returns	—	24/7 fraud monitoring Credit Journey Up to $500 protection for damaged or stolen purchases
Extended warranty	Extended warranty	Add an extra year to manufacturer warranties
Other protections	Credit monitoring	24/7 lost/stolen card assistance worldwide
Pros & cons
Pros	No annual fee for a card with 3% back on dining and entertainment 3% cash back at restaurants on a card with no annual fee 3% on entertainment covers streaming, concerts, movies, and more 3% at grocery stores provides solid everyday value 8% back on Capital One Entertainment purchases is exceptional	5% on rotating categories up to $1,500/quarter when activated 3% on dining and drugstores with no annual cap 5X on Chase Travel portal purchases $0 annual fee with Mastercard World Elite benefits No foreign transaction fees (new for 2026)
Cons	Only 1% cash back on purchases outside bonus categories No travel-specific benefits like lounge access or trip insurance Cash back only - no transfer partners for travel redemptions Grocery bonus typically excludes warehouse clubs like Costco	Must activate quarterly categories or miss 5% bonus $1,500 quarterly cap on 5% categories ($300 max bonus/quarter) Points worth only 1 cent without Sapphire card pairing Welcome bonus lower than Sapphire cards
	Card details	Card details

Capital One Savor Cash Rewards Credit Card
Capital One · No annual fee
Chase Freedom Flex
Chase · No annual fee

Overview

Annual fee: Capital One Savor Cash Rewards Credit Card
$0
Chase Freedom Flex
$0
Welcome offerCurrent public offer: Capital One Savor Cash Rewards Credit Card
$200 cash back
Chase Freedom Flex
$250 cash back
Rewards: Capital One Savor Cash Rewards Credit Card
Cash back
Chase Freedom Flex
Cash back
Foreign transaction fee: Capital One Savor Cash Rewards Credit Card
None
Chase Freedom Flex
None
Network: Capital One Savor Cash Rewards Credit Card
Mastercard World Elite
Chase Freedom Flex
Mastercard World Elite

Earn ratesPer $1 spent

Rotating Quarterly: Capital One Savor Cash Rewards Credit Card
1%
Chase Freedom Flex
5%
Highest
Dining: Capital One Savor Cash Rewards Credit Card
3%
Chase Freedom Flex
3%
Drugstores: Capital One Savor Cash Rewards Credit Card
1%
Chase Freedom Flex
3%
Highest
Entertainment: Capital One Savor Cash Rewards Credit Card
3%
Highest
Chase Freedom Flex
1%
Grocery Stores: Capital One Savor Cash Rewards Credit Card
3%
Highest
Chase Freedom Flex
1%
Streaming: Capital One Savor Cash Rewards Credit Card
3%
Highest
Chase Freedom Flex
1%
Everything else: Capital One Savor Cash Rewards Credit Card
1%
Chase Freedom Flex
1%

Statement creditsAs the issuer states them · — means none on record

Dining & delivery: Capital One Savor Cash Rewards Credit Card
—
Chase Freedom Flex
DoorDash DashPass
DoorDash DashPass · $60 one-time

Perks & access— means none on record

Other perks: Capital One Savor Cash Rewards Credit Card
Capital One Dining
Complimentary Concierge Service
Chase Freedom Flex
No foreign transaction fees on purchases worldwide
24/7 roadside assistance for towing and emergencies
24/7 travel assistance anywhere in the world

Protections & insuranceLimits where published · — means none on record

Trip insurance: Capital One Savor Cash Rewards Credit Card
Travel accident insurance
Chase Freedom Flex
Up to $6,000 trip cancellation and interruption coverage
Rental car: Capital One Savor Cash Rewards Credit Card
—
Chase Freedom Flex
Secondary rental coverage when you skip the counter option
Purchase & returns: Capital One Savor Cash Rewards Credit Card
—
Chase Freedom Flex
24/7 fraud monitoring
Credit Journey
Up to $500 protection for damaged or stolen purchases
Extended warranty: Capital One Savor Cash Rewards Credit Card
Extended warranty
Chase Freedom Flex
Add an extra year to manufacturer warranties
Other protections: Capital One Savor Cash Rewards Credit Card
Credit monitoring
Chase Freedom Flex
24/7 lost/stolen card assistance worldwide

Pros & cons

Pros: Capital One Savor Cash Rewards Credit Card
No annual fee for a card with 3% back on dining and entertainment
3% cash back at restaurants on a card with no annual fee
3% on entertainment covers streaming, concerts, movies, and more
3% at grocery stores provides solid everyday value
8% back on Capital One Entertainment purchases is exceptional
Chase Freedom Flex
5% on rotating categories up to $1,500/quarter when activated
3% on dining and drugstores with no annual cap
5X on Chase Travel portal purchases
$0 annual fee with Mastercard World Elite benefits
No foreign transaction fees (new for 2026)
Cons: Capital One Savor Cash Rewards Credit Card
Only 1% cash back on purchases outside bonus categories
No travel-specific benefits like lounge access or trip insurance
Cash back only - no transfer partners for travel redemptions
Grocery bonus typically excludes warehouse clubs like Costco
Chase Freedom Flex
Must activate quarterly categories or miss 5% bonus
$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
Points worth only 1 cent without Sapphire card pairing
Welcome bonus lower than Sapphire cards

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The Capital One Savor Cash Rewards Credit Card wins in 3 of 4 categories. The Chase Freedom Flex leads in 1. 2 more categories depend on booking channel or caps.

Entertainment

Capital One Savor Cash Rewards Credit Card earns 3X vs 1X

Grocery Stores

Capital One Savor Cash Rewards Credit Card earns 3X vs 1X

Streaming

Capital One Savor Cash Rewards Credit Card earns 3X vs 1X

Rotating Quarterly

Depends: up to $1,500/quarter; Must activate each quarter before deadline

Chase Freedom Flex earns 5X when conditions are met; Capital One Savor Cash Rewards Credit Card earns 1X (1X without restrictions)

Travel

Depends: via issuer travel portal

Chase Freedom Flex earns 5X when conditions are met; Capital One Savor Cash Rewards Credit Card earns 1X (1X without restrictions)

Drugstores

Chase Freedom Flex earns 3X vs 1X

Year One vs Ongoing Value

Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.

Both scenarios favor the Chase Freedom Flex on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Capital One Savor Cash Rewards Credit Card	Chase Freedom Flex	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $192 Year one: $392	Rewards: $281 Credits (our usable estimate): $20 − Annual fee ($0) Ongoing: $301 Year one: $581	Chase Freedom Flex	Chase Freedom Flex
Heavy spender: $4,000/month	Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $768 Year one: $968	Rewards: $1,123 Credits (our usable estimate): $20 − Annual fee ($0) Ongoing: $1,143 Year one: $1,423	Chase Freedom Flex	Chase Freedom Flex

Which Card Is Right for You?

Get the Capital One Savor Cash Rewards Credit Card if you:

+Do most of your spending at grocery stores

The Bottom Line

Both scenarios favor the Chase Freedom Flex on net value (rewards, usable credits, fees, and welcome offer).

Frequently Asked Questions

Which card earns more rewards, the Capital One Savor Cash Rewards Credit Card or Chase Freedom Flex?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Capital One Savor Cash Rewards Credit Card have that the Chase Freedom Flex doesn't?: The Capital One Savor Cash Rewards Credit Card focuses on earn rates, while the Chase Freedom Flex offers dining credits.
Should I get the Capital One Savor Cash Rewards Credit Card or the Chase Freedom Flex?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Official issuer pages: Capital One cards · Chase cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.