Capital One SavorOne vs Chase Freedom Unlimited®
Side-by-side comparison
| Capital One SavorOne | Chase Freedom Unlimited® | |
|---|---|---|
| Annual fee | $39 | No annual fee |
| Welcome offer | No current 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 SavorOne 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 SavorOne charges $39, which you clear through its rewards and perks. The Chase Freedom Unlimited® has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Chase Freedom Unlimited® delivers more total value, about $45 a year more for a typical spender, 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 SavorOne, Chase for the Chase Freedom Unlimited®. On the sign-up bonus, the Chase Freedom Unlimited® 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. Pick the Chase Freedom Unlimited® if your spending leans toward gas, travel, everything else.