Capital One Savor vs Chase Freedom Unlimited®
Side-by-side comparison
| Capital One Savor | Chase Freedom Unlimited® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $200 cash bonus | |
| Dining | 3x | 3x |
| Groceries | 3x | 1.5x |
| Gas | 1x | 1.5x |
| Travel | 1x | 1.5x |
| Streaming | 3x | 1.5x |
| Everything else | 1x | 1.5x |
| Est. yearly rewards* | $484 | $490 |
| Points type | Pools with Capital One → transferable | Pools with Chase → transferable |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Capital One Savor earns about $484 a year in rewards and the Chase Freedom Unlimited® about $490, valuing every point at a flat 1 cent. The Capital One Savor has no annual fee, so its rewards are all profit. The Chase Freedom Unlimited® has no annual fee, so its rewards are all profit. The two are close on value, but the Chase Freedom Unlimited® edges ahead by about $6 a year, mostly because it earns more where you spend most, on everything else and gas. Both earn points that only unlock airline and hotel transfers once you pair them with a premium card in the same family, so it comes down to which ecosystem you are building: Capital One for the Capital One Savor, Chase for the Chase Freedom Unlimited®. On the sign-up bonus, the Capital One Savor currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Capital One Savor if your spending leans toward groceries, streaming. Pick the Chase Freedom Unlimited® if your spending leans toward gas, travel, everything else.