Choosing between the Capital One Savor Cash Rewards Credit Card (no annual fee) and the Chase Freedom Unlimited (no annual fee) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.
Strongest in dining at 3%. Unlimited 3% on dining, entertainment, groceries, and streaming; 5% on travel through Capital One.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in dining at 3%. 3% on dining and drugstores, 5% on Chase Travel. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Capital One Savor Cash Rewards Credit Card | Chase Freedom Unlimited |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $250 after $500 spend in 3 months | $200 after $500 spend in 3 months |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1.0% | 1.5% |
| Dining Rewards | 3% | 3% |
| Groceries Rewards | 3% | 1.5% |
| Rates with conditions not counted in the rows above |
5% through Capital One Travel Earns 5% only on hotels, vacation rentals and rental cars booked through Capital One Travel, Capital One's own booking site. Travel booked anywhere else earns 1%. |
5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 1.5%. |
| Key Benefits | Unlimited 3% on dining, entertainment, groceries, and streaming; 5% on travel through Capital One. | 3% on dining and drugstores, 5% on Chase Travel. |
Capital One Savor Cash Rewards Credit Card pulls ahead for groceries spending.
Chase Freedom Unlimited wins on travel, gas.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.
Enter your typical monthly spending and we’ll show you exactly which card earns more, including fees and bonuses.