Capital One SavorOne vs Chase Freedom Flex℠
Side-by-side comparison
| Capital One SavorOne | Chase Freedom Flex℠ | |
|---|---|---|
| Annual fee | $39 | No annual fee |
| Welcome offer | No current offer | $200 cash bonus |
| Dining | 3x | 3x |
| Groceries | 3x | 1x |
| Gas | 1x | 1x |
| Travel | 1x | 1x |
| Streaming | 3x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $484 | $361 |
| Points type | Pools with Capital One → transferable | Pools with Chase → transferable |
| Network | Mastercard | Mastercard |
*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 SavorOne earns about $484 a year in rewards and the Chase Freedom Flex℠ about $361, valuing every point at a flat 1 cent. The Capital One SavorOne charges $39, which you clear through its rewards and perks. The Chase Freedom Flex℠ has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Capital One SavorOne delivers more total value, about $83 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and streaming. 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 SavorOne, Chase for the Chase Freedom Flex℠. On the sign-up bonus, the Chase Freedom Flex℠ currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Capital One SavorOne if your spending leans toward groceries, streaming.