Chase Freedom Unlimited®
vs. Capital One SavorOne Cash Rewards Credit Card

Both the Chase Freedom Unlimited® and Capital One SavorOne Cash Rewards Credit Card offer enticing cash back rewards and no annual fee, making them strong contenders for anyone seeking value from their credit card. The SavorOne Cash edges ahead with its slightly higher cash back score and a welcome offer that's easy to attain. It's particularly beneficial if you dine out frequently or use streaming services, thanks to its unlimited 3% cash back in these categories.

But the Freedom Unlimited should not be overlooked because it provides a 0% intro APR and a welcome bonus that could be lucrative if you can maximize the additional cash back in the first year. Both cards cater to the same credit score range, ensuring accessibility for consumers with good to excellent credit.

You might prefer the SavorOne Cash if you frequently spend on dining and entertainment. With its higher cash back rates in these categories and no foreign transaction fees, it's tailored for you if you enjoy a night out or travel internationally. The lack of rotating categories also simplifies earning rewards.

You might prefer the Chase Freedom Unlimited if your expenses are more varied and include significant travel booked through Chase. The card's broad cash back categories after the first year can be more rewarding if your spending doesn't align with the SavorOne Cash's bonus categories. Plus, rewards don't expire, offering flexibility.

Evaluating features like APRs, fees, credit requirements, rewards and introductory offers will clarify which card is for you. For instance, if dining and entertainment are where you spend most, the SavorOne Cash's rewards structure could be more beneficial. Alternatively, frequent travelers might find the Freedom Unlimited's travel rewards more appealing.

The Freedom Unlimited is a strong contender for general spending. Its 1.5% cash back on all purchases provides a consistent return across the board. But the SavorOne Cash shines with its 3% cash back on dining, entertainment, and streaming services, which could be more lucrative if you spend more in these categories. The SavorOne Cash also offers a high 8% cash back on Capital One Entertainment purchases and 5% on hotels and rental cars booked through Capital One Travel, which are unique and valuable perks for frequent travelers and entertainment spenders.

Although both cards offer 3% cash back on dining, the SavorOne Cash extends this to entertainment and streaming, potentially offering more value to users in these categories. The following table provides a visual comparison of the bonus categories for each card.

With the SavorOne Cash, you can request cash back as a statement credit or check and set up automatic redemptions. Rewards can also be used for travel bookings and don't expire. The Freedom Unlimited also allows for cash back redemption at any time, including for travel, gift cards, or even shopping on Amazon, with no expiration as long as the account remains open.

MoneyGeek evaluates credit cards like Freedom Unlimited and SavorOne Cash using a tailored scoring system for various use cases. This approach ensures that the score reflects the card's performance in the scenario where it provides the most value.

For cash back cards, the primary factors we consider are the effective reward rate and the return on investment for offers. These elements — along with annual fees, introductory purchase rates and issuer satisfaction — contribute to a card's overall score. For a detailed understanding of our process, you can review our ranking methodology.