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

Both the Capital One SavorOne Cash Rewards Credit Card and the Chase Freedom Unlimited® offer enticing cash back rewards and introductory APR periods, making them top contenders for if you seek value from your credit card. The SavorOne Cash edges ahead with its slightly higher cash back score and broad rewards categories.

But the Freedom Unlimited appeals with its introductory offer that can be particularly lucrative in the first year. Both cards stand on equal footing with their recommended credit score range, ensuring accessibility if you have good to excellent credit.

You might prefer the SavorOne Cash if you frequently spend on dining, entertainment and booking travel. With higher cash back rates in these categories and a $200 welcome offer, it rewards your specific spending habits well.

You might prefer the Freedom Unlimited if you value simplicity and flexibility in earning rewards. A flat cash back rate on all purchases and an additional 1.5% cash back in the first year can make this card a lucrative option for all-around spending.

Evaluating features like APRs, fees, credit requirements, rewards and introductory offers will clarify which card is for you. For instance, if you spend heavily on dining and entertainment, SavorOne Cash's 3% cash back could sway you, while Freedom Unlimited's broader 1.5% cash back on all purchases might appeal for diverse spending.

The Freedom Unlimited offers a slightly higher expected reward value and a broader rewards rate, making it a strong contender for those seeking versatile cash back options. Its 1.5% cash back on all purchases provides a consistent return across non-category spending.

But the SavorOne Cash stands out with higher cash back rates in specific categories like dining and entertainment, making it a strong choice for those who spend heavily in these areas. While both cards offer competitive rewards for dining, the SavorOne Cash's additional cash back on entertainment and grocery stores (excluding superstores) can be particularly beneficial for some spenders.

The bonus categories for each card are detailed below, to help you decide which might align better with your spending habits.

The SavorOne Cash offers several redemption options, including statement credits, checks and gift cards. You can also use rewards to book travel through Capital One. Rewards on this card do not expire as long as the account is active.

The Freedom Unlimited also provides flexibility in redemption, allowing for cash back to be applied as a statement credit or direct deposit, with no minimum redemption amount. Rewards can also be used for Amazon purchases, gift cards, or travel. Like the SavorOne Cash, the Freedom Unlimited's rewards do not expire, provided the account is kept open.

MoneyGeek evaluates credit cards like SavorOne Cash and Freedom Unlimited using a ranking process tailored to different use cases, such as cash back and balance transfers. For this comparison, each card's score reflects their highest-scoring use case, which is cash back for both. 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.