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

The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.

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

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

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

The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.

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

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

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

The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.

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

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 Unlimited

Both cards cost $0/yr. The Capital One Savor Cash Rewards Credit Card is better for capital one entertainment, while the Chase Freedom Unlimited wins on travel. Here's how they compare.

Capital One Savor Cash Rewards Credit Card

Capital One

Chase Freedom Unlimited

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

200 Cash

Earn Rates

Category	Capital One Savor Cash Rewards Credit Card	Chase Freedom Unlimited
Dining	4X	3X
Entertainment	4X	1.5X
Drugstores	1X	3X
Grocery Stores	3X	1.5X
Streaming	3X	1.5X
Everything Else	1X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+No annual fee for a card with 4% back on dining and entertainment
+4% cash back at restaurants is among the highest flat rates available
+4% 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

+1.5% cash back on every purchase with no caps or categories
+5% on Chase Travel, 3% on dining and drugstores
+$200 bonus after $500 spend in 3 months
+0% intro APR for 15 months on purchases and balance transfers
+$0 annual fee with Visa Signature benefits

Cons

−Only 1% cash back on purchases outside bonus categories
Foreign transaction fees apply on international purchases

Category-by-Category Winner

The Capital One Savor Cash Rewards Credit Card wins in 4 of 6 categories. The Chase Freedom Unlimited leads in 2.

Dining

Capital One Savor Cash Rewards Credit Card earns 4X vs 3X

Entertainment

Capital One Savor Cash Rewards Credit Card earns 4X vs 1.5X

Grocery Stores

Capital One Savor Cash Rewards Credit Card earns 3X vs 1.5X

Streaming

Capital One Savor Cash Rewards Credit Card earns 3X vs 1.5X

Drugstores

Chase Freedom Unlimited earns 3X vs 1X

Everyday purchases

Chase Freedom Unlimited earns 1.5X on all other spending vs 1X

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

Get the Chase Freedom Unlimited if you:

Prefer a high flat rate across all spending

Frequently Asked Questions

Which card earns more rewards, the Capital One Savor Cash Rewards Credit Card or Chase Freedom Unlimited?: The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Capital One Savor Cash Rewards Credit Card or the Chase Freedom Unlimited?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Capital One Savor Amex Blue Cash Everyday vs Chase Freedom Unlimited Amex Green vs Chase Freedom Unlimited Bank Of America Customized Cash vs Capital One Savor

Explore More

Capital One Savor Cash Rewards Credit Card — Full Review All Capital One Cards

Chase Freedom Unlimited — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Chase cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Capital One Savor Cash Rewards Credit Card vs Chase Freedom Unlimited

Both cards cost $0/yr. The Capital One Savor Cash Rewards Credit Card is better for capital one entertainment, while the Chase Freedom Unlimited wins on travel. Here's how they compare.

Capital One Savor Cash Rewards Credit Card

Capital One

Chase Freedom Unlimited

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

200 Cash

Earn Rates

Category	Capital One Savor Cash Rewards Credit Card	Chase Freedom Unlimited
Dining	4X	3X
Entertainment	4X	1.5X
Drugstores	1X	3X
Grocery Stores	3X	1.5X
Streaming	3X	1.5X
Everything Else	1X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+No annual fee for a card with 4% back on dining and entertainment
+4% cash back at restaurants is among the highest flat rates available
+4% 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

+1.5% cash back on every purchase with no caps or categories
+5% on Chase Travel, 3% on dining and drugstores
+$200 bonus after $500 spend in 3 months
+0% intro APR for 15 months on purchases and balance transfers
+$0 annual fee with Visa Signature benefits

Cons

−Only 1% cash back on purchases outside bonus categories
Foreign transaction fees apply on international purchases

Category-by-Category Winner

The Capital One Savor Cash Rewards Credit Card wins in 4 of 6 categories. The Chase Freedom Unlimited leads in 2.

Dining

Capital One Savor Cash Rewards Credit Card earns 4X vs 3X

Entertainment

Capital One Savor Cash Rewards Credit Card earns 4X vs 1.5X

Grocery Stores

Capital One Savor Cash Rewards Credit Card earns 3X vs 1.5X

Streaming

Capital One Savor Cash Rewards Credit Card earns 3X vs 1.5X

Drugstores

Chase Freedom Unlimited earns 3X vs 1X

Everyday purchases

Chase Freedom Unlimited earns 1.5X on all other spending vs 1X

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

Get the Chase Freedom Unlimited if you:

Prefer a high flat rate across all spending

Frequently Asked Questions

Which card earns more rewards, the Capital One Savor Cash Rewards Credit Card or Chase Freedom Unlimited?: The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Capital One Savor Cash Rewards Credit Card or the Chase Freedom Unlimited?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Capital One Savor Amex Blue Cash Everyday vs Chase Freedom Unlimited Amex Green vs Chase Freedom Unlimited Bank Of America Customized Cash vs Capital One Savor

Explore More

Capital One Savor Cash Rewards Credit Card — Full Review All Capital One Cards

Chase Freedom Unlimited — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Chase cards

Capital One Savor Cash Rewards Credit Card vs Chase Freedom Unlimited

Both cards cost $0/yr. The Capital One Savor Cash Rewards Credit Card is better for capital one entertainment, while the Chase Freedom Unlimited wins on travel. Here's how they compare.

Capital One Savor Cash Rewards Credit Card

Capital One

Chase Freedom Unlimited

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

200 Cash

Earn Rates

Category	Capital One Savor Cash Rewards Credit Card	Chase Freedom Unlimited
Dining	4X	3X
Entertainment	4X	1.5X
Drugstores	1X	3X
Grocery Stores	3X	1.5X
Streaming	3X	1.5X
Everything Else	1X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+No annual fee for a card with 4% back on dining and entertainment
+4% cash back at restaurants is among the highest flat rates available
+4% 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

+1.5% cash back on every purchase with no caps or categories
+5% on Chase Travel, 3% on dining and drugstores
+$200 bonus after $500 spend in 3 months
+0% intro APR for 15 months on purchases and balance transfers
+$0 annual fee with Visa Signature benefits

Cons

−Only 1% cash back on purchases outside bonus categories
Foreign transaction fees apply on international purchases

Category-by-Category Winner

The Capital One Savor Cash Rewards Credit Card wins in 4 of 6 categories. The Chase Freedom Unlimited leads in 2.

Dining

Capital One Savor Cash Rewards Credit Card earns 4X vs 3X

Entertainment

Capital One Savor Cash Rewards Credit Card earns 4X vs 1.5X

Grocery Stores

Capital One Savor Cash Rewards Credit Card earns 3X vs 1.5X

Streaming

Capital One Savor Cash Rewards Credit Card earns 3X vs 1.5X

Drugstores

Chase Freedom Unlimited earns 3X vs 1X

Everyday purchases

Chase Freedom Unlimited earns 1.5X on all other spending vs 1X

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

Get the Chase Freedom Unlimited if you:

Prefer a high flat rate across all spending

Frequently Asked Questions

Which card earns more rewards, the Capital One Savor Cash Rewards Credit Card or Chase Freedom Unlimited?: The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Capital One Savor Cash Rewards Credit Card or the Chase Freedom Unlimited?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Capital One Savor Amex Blue Cash Everyday vs Chase Freedom Unlimited Amex Green vs Chase Freedom Unlimited Bank Of America Customized Cash vs Capital One Savor

Explore More

Capital One Savor Cash Rewards Credit Card — Full Review All Capital One Cards

Chase Freedom Unlimited — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Chase cards