Capital One SavorOne vs Chase Freedom Rise®
Side-by-side comparison
| Capital One SavorOne | Chase Freedom Rise® | |
|---|---|---|
| Annual fee | $39 | No annual fee |
| Welcome offer | No current offer | $25 statement credit |
| Dining | 3x | 1.5x |
| 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 | $437 |
| 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 SavorOne earns about $484 a year in rewards and the Chase Freedom Rise® about $437, 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 Rise® has no annual fee, so its rewards are all profit. The two are close on value, but the Capital One SavorOne edges ahead by about $7 a year, mostly because it earns more where you spend most, on groceries and dining. 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 Rise®. On the sign-up bonus, the Chase Freedom Rise® 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 dining, groceries, streaming. Pick the Chase Freedom Rise® if your spending leans toward gas, travel, everything else.