Is the SavorOne Rewards from Capital One worth the higher annual fee?

The SavorOne Rewards from Capital One costs $39/yr vs $0/yr for the Chase Freedom Flex. Compare the year-one vs ongoing value table on this page — the $39 gap must be offset by higher earn rates, welcome offers, or credits you will use.

Which card earns more rewards, the SavorOne Rewards from Capital One 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 SavorOne Rewards from Capital One have that the Chase Freedom Flex doesn't?

The SavorOne Rewards from Capital One focuses on earn rates, while the Chase Freedom Flex offers dining credits.

Should I get the SavorOne Rewards from Capital One or the Chase Freedom Flex?

Use the spend scenarios on this page: the Chase Freedom Flex has a lower $0/yr fee; the SavorOne Rewards from Capital One must earn enough extra (or offer a larger welcome bonus) to justify $39/yr.

SavorOne Rewards from Capital One vs Chase Freedom Flex

Annual fees: SavorOne Rewards from Capital One $39/yr, Chase Freedom Flex $0/yr. Strongest bonus categories: SavorOne Rewards from Capital One on hotels, Chase Freedom Flex on rotating quarterly.

Card data as of October 12, 2026.

Credit card comparison
Overview
	SavorOne Rewards from Capital One Capital One · $39/yr	Chase Freedom Flex Chase · No annual fee
Annual fee	$39	$0 Lowest
Welcome offerCurrent public offer	—	$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	Free Concierge Service 24 Hours a Day Year Round Get 50% Off All Handcrafted Beverages at Capital One Cafes Exclusive Capital One Dining Access to Award Winning Exclusive Capital One Entertainment Access with Early Ticket Zero Foreign Transaction Fees on All International Purchases Around the Clock 24 Hour Travel Help	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 Cover at No Extra Charge	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 Cover at No Charge on Eligible Purchases	Add an extra year to manufacturer warranties
Other protections	Credit monitoring Zero Dollar Fraud Liability Cover on All Unauthorized Virtual Card Numbers from Eno for Secure Online Shopping	24/7 lost/stolen card assistance worldwide
Pros & cons
Pros	3% cash back on popular categories for a $39 annual fee 3% back on dining, groceries, entertainment, and streaming services 8% cash back on Capital One Entertainment ticket purchases 5% cash back on hotels, vacation rentals and rental cars via Capital One Travel No foreign transaction fees for international spending	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	Grocery exclusions for Walmart, Target, and warehouse clubs 1% base rate on non-bonus categories is below average $39 annual fee, no welcome bonus and no intro APR 29.24% variable purchase APR No travel benefits or lounge access	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

SavorOne Rewards from Capital One
Capital One · $39/yr
Chase Freedom Flex
Chase · No annual fee

Overview

Annual fee: SavorOne Rewards from Capital One
$39
Chase Freedom Flex
$0
Lowest
Welcome offerCurrent public offer: SavorOne Rewards from Capital One
—
Chase Freedom Flex
$250 cash back
Rewards: SavorOne Rewards from Capital One
Cash back
Chase Freedom Flex
Cash back
Foreign transaction fee: SavorOne Rewards from Capital One
None
Chase Freedom Flex
None
Network: SavorOne Rewards from Capital One
Mastercard World Elite
Chase Freedom Flex
Mastercard World Elite

Earn ratesPer $1 spent

Rotating Quarterly: SavorOne Rewards from Capital One
1%
Chase Freedom Flex
5%
Highest
Dining: SavorOne Rewards from Capital One
3%
Chase Freedom Flex
3%
Drugstores: SavorOne Rewards from Capital One
1%
Chase Freedom Flex
3%
Highest
Entertainment: SavorOne Rewards from Capital One
3%
Highest
Chase Freedom Flex
1%
Grocery Stores: SavorOne Rewards from Capital One
3%
Highest
Chase Freedom Flex
1%
Streaming: SavorOne Rewards from Capital One
3%
Highest
Chase Freedom Flex
1%
Everything else: SavorOne Rewards from Capital One
1%
Chase Freedom Flex
1%

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

Dining & delivery: SavorOne Rewards from Capital One
—
Chase Freedom Flex
DoorDash DashPass
DoorDash DashPass · $60 one-time

Perks & access— means none on record

Other perks: SavorOne Rewards from Capital One
Free Concierge Service 24 Hours a Day Year Round
Get 50% Off All Handcrafted Beverages at Capital One Cafes
Exclusive Capital One Dining Access to Award Winning
Exclusive Capital One Entertainment Access with Early Ticket
Zero Foreign Transaction Fees on All International Purchases
Around the Clock 24 Hour Travel Help
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: SavorOne Rewards from Capital One
Travel Accident Cover at No Extra Charge
Chase Freedom Flex
Up to $6,000 trip cancellation and interruption coverage
Rental car: SavorOne Rewards from Capital One
—
Chase Freedom Flex
Secondary rental coverage when you skip the counter option
Purchase & returns: SavorOne Rewards from Capital One
—
Chase Freedom Flex
24/7 fraud monitoring
Credit Journey
Up to $500 protection for damaged or stolen purchases
Extended warranty: SavorOne Rewards from Capital One
Extended Warranty Cover at No Charge on Eligible Purchases
Chase Freedom Flex
Add an extra year to manufacturer warranties
Other protections: SavorOne Rewards from Capital One
Credit monitoring
Zero Dollar Fraud Liability Cover on All Unauthorized
Virtual Card Numbers from Eno for Secure Online Shopping
Chase Freedom Flex
24/7 lost/stolen card assistance worldwide

Pros & cons

Pros: SavorOne Rewards from Capital One
3% cash back on popular categories for a $39 annual fee
3% back on dining, groceries, entertainment, and streaming services
8% cash back on Capital One Entertainment ticket purchases
5% cash back on hotels, vacation rentals and rental cars via Capital One Travel
No foreign transaction fees for international spending
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: SavorOne Rewards from Capital One
Grocery exclusions for Walmart, Target, and warehouse clubs
1% base rate on non-bonus categories is below average
$39 annual fee, no welcome bonus and no intro APR
29.24% variable purchase APR
No travel benefits or lounge access
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 SavorOne Rewards from Capital One wins in 3 of 4 categories. The Chase Freedom Flex leads in 1. 5 more categories depend on booking channel or caps.

Entertainment

SavorOne Rewards from Capital One earns 3X vs 1X

Streaming

SavorOne Rewards from Capital One earns 3X vs 1X

Hotels

Depends: via issuer travel portal

SavorOne Rewards from Capital One earns 5X when conditions are met; Chase Freedom Flex earns 1X (1X without restrictions)

Car Rentals

Depends: via issuer travel portal

SavorOne Rewards from Capital One earns 5X when conditions are met; Chase Freedom Flex earns 1X (1X without restrictions)

Grocery Stores

SavorOne Rewards from Capital One earns 3X vs 1X

Vacation Rentals

Depends: via issuer travel portal

SavorOne Rewards from Capital One earns 5X when conditions are met; Chase Freedom Flex earns 1X (1X without restrictions)

Rotating Quarterly

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

Chase Freedom Flex earns 5X when conditions are met; SavorOne Rewards from Capital One earns 1X (1X without restrictions)

Travel

Depends: via issuer travel portal

Chase Freedom Flex earns 5X when conditions are met; SavorOne Rewards from Capital One 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	SavorOne Rewards from Capital One	Chase Freedom Flex	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($39) Ongoing: $153 Year one: $153	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 ($39) Ongoing: $729 Year one: $729	Rewards: $1,123 Credits (our usable estimate): $20 − Annual fee ($0) Ongoing: $1,143 Year one: $1,423	Chase Freedom Flex	Chase Freedom Flex

Is the Fee Difference Worth It?

The SavorOne Rewards from Capital One costs $39/yr — that's $39 more than the Chase Freedom Flex (no annual fee). To justify that gap, you need to extract at least $39 in annual value from the card's higher earn rates and benefits.

Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $39 fee gap means the SavorOne Rewards from Capital One needs roughly $39 more in annual rewards (or credits you will use) to break even on hotels and car rentals and everyday spend.

Which Card Is Right for You?

Get the SavorOne Rewards from Capital One 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).

Published annual fees: SavorOne Rewards from Capital One $39/yr, Chase Freedom Flex $0/yr — a $39 difference before welcome offers and credits.

Frequently Asked Questions

Is the SavorOne Rewards from Capital One worth the higher annual fee?: The SavorOne Rewards from Capital One costs $39/yr vs $0/yr for the Chase Freedom Flex. Compare the year-one vs ongoing value table on this page — the $39 gap must be offset by higher earn rates, welcome offers, or credits you will use.
Which card earns more rewards, the SavorOne Rewards from Capital One 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 SavorOne Rewards from Capital One have that the Chase Freedom Flex doesn't?: The SavorOne Rewards from Capital One focuses on earn rates, while the Chase Freedom Flex offers dining credits.
Should I get the SavorOne Rewards from Capital One or the Chase Freedom Flex?: Use the spend scenarios on this page: the Chase Freedom Flex has a lower $0/yr fee; the SavorOne Rewards from Capital One must earn enough extra (or offer a larger welcome bonus) to justify $39/yr.

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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.