Savor Rewards vs Chase Freedom Unlimited
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Savor Rewards
Estimated value every year on typical spending
$312/ year
Every year, after the annual fee. Year one adds a $200 welcome bonus: $512
Chase Freedom Unlimited
Estimated value every year on typical spending
$540/ year
Every year, after the annual fee. Year one adds a $200 welcome bonus: $740
The short answer
- On typical spending, the Chase Freedom Unlimited comes out ahead: about $540 a year after its fee, against $312 for the Capital One Savor Rewards.
- The Chase Freedom Unlimited earns more on groceries, dining, gas, travel, everything else.
Side by side
| Savor Rewards | Chase Freedom Unlimited | |
|---|---|---|
| Annual fee | $0 | $0 |
| Rewards | 3% cash back on dining and entertainment; 5% on hotels and rental cars booked through Capital One Travel; 1% on all other purchases | 1.5% cash back; 3% on dining and drugstore purchases; 5% on travel purchased through Chase Travel |
| Welcome bonus | Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening | Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. |
| Credits counted | $0/yr | $0/yr |
| Intro APR | 0% for the first 12 months | 0% for the first 15 months |
| Regular APR | 18.74% to 28.74% variable | 18.49% to 29.99% variable |
| Foreign transaction fee | None | None |
| Credit needed | Excellent | Not specified |
Yearly rewards by category
| Category (monthly spend) | Savor Rewards | Chase Freedom Unlimited |
|---|---|---|
| groceries ($500) | $60 | $90 |
| dining ($400) | $48 | $144 |
| gas ($200) | $24 | $36 |
| travel ($300) | $36 | $54 |
| everything else ($1,200) | $144 | $216 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Capital One Savor Rewards or the Chase Freedom Unlimited?
On typical spending the Chase Freedom Unlimited is worth more: about $540 a year after its fee, against $312 for the Capital One Savor Rewards. Which is better for you depends on where you spend most; see the category answers below.
Which is better for groceries?
The Chase Freedom Unlimited. On $500 a month of groceries it earns about $90 a year, against $60 with the Capital One Savor Rewards.
Which is better for dining?
The Chase Freedom Unlimited. On $400 a month of dining it earns about $144 a year, against $48 with the Capital One Savor Rewards.
Which is better for travel?
The Chase Freedom Unlimited. On $300 a month of travel it earns about $54 a year, against $36 with the Capital One Savor Rewards.
Which is better for gas?
The Chase Freedom Unlimited. On $200 a month of gas it earns about $36 a year, against $24 with the Capital One Savor Rewards.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.