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Chase Freedom Unlimited vs Capital One SavorOne
Head-to-head comparison of every feature, fee, and perk
VS
At a Glance
Annual Fee
No annual fee
vs
No annual fee
Base Rewards
1.5%
vs
1%
Sign-Up Bonus
$200
vs
$200
Editor Score
8/10
vs
8/10
Detailed Comparison
| Feature | Chase **** 1234 | Capital One **** 1234 |
|---|---|---|
| Annual Fee | No annual fee | No annual fee |
| Purchase APR | 20.49% – 29.24% | 19.99% – 29.99% |
| Intro APR (Purchases) | 0% for 15mo | 0% for 15mo |
| Intro APR (Balance Transfer) | 0% for 15mo | 0% for 15mo |
| Rewards Type | Cashback | Cashback |
| Base Rewards Rate | 1.5% | 1% |
| Bonus Categories | 5% Travel (Chase), 3% Dining, 3% Drugstores | 3% Dining, 3% Entertainment, 3% Groceries, 3% Streaming |
| Sign-Up Bonus | $200 value | $200 value |
| Credit Score | Good (670-749) | Good (670-749) |
| Network | Visa | Visa |
| Foreign Txn Fee | 3% | None |
| Balance Transfer Fee | 3% | 3% |
| Rating | 4.6 / 5 | 4.5 / 5 |
| Editor Score | 8 / 10 | 8 / 10 |
| Apply | Apply Now | Apply Now |
| Details | View Details | View Details |
Our Verdict
Both are excellent no-fee everyday cards with different strengths. The Freedom Unlimited earns 1.5% on everything plus 3% on dining and drugstores, and pairs powerfully with Chase Sapphire cards. The SavorOne offers 3% on dining, entertainment, and streaming plus grocery store rewards. If entertainment and groceries are big categories for you, go SavorOne. If you want Chase ecosystem benefits, the Freedom Unlimited is the pick.
It depends on your priorities — both are excellent choices