Chase Freedom Unlimited vs Capital One SavorOne
Head-to-head comparison of every feature, fee, and perk
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
| Category wins | 5/6 | 1/6 |
| Fees & APR | ||
| Annual Fee | No annual fee★ Lowest | No annual fee |
| Purchase APR | 20.49% – 29.24% | 19.99% – 29.99% |
| Intro APR (Purchases) | 0% · 15 mo | 0% · 15 mo |
| Intro APR (Balance Transfer) | 0% · 15 mo | 0% · 15 mo |
| Foreign Txn Fee | 3%✗ Highest | None★ Lowest |
| Balance Transfer Fee | 3% | 3% |
| Rewards | ||
| Rewards Type | Cashback | Cashback |
| Base Rewards Rate | 1.5%★ Highest | 1%✗ Lowest |
| Bonus Categories | 5% Travel (Chase) · 3% Dining · 3% Drugstores | 3% Dining · 3% Entertainment · 3% Groceries |
| Sign-Up Bonus | $200 value★ Highest | $200 value |
| Eligibility | ||
| Credit Score | Good (670-749) | Good (670-749) |
| Network | Visa | Visa |
| At a Glance | ||
| Best For | Everyday spending with no annual fee | Dining and entertainment enthusiasts |
| Ratings | ||
| User Rating | 4.6 / 5★ Highest | 4.5 / 5✗ Lowest |
| Editor Score | 8 / 10★ Highest | 8 / 10 |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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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
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Common Questions
Which is better: Chase Freedom Unlimited or Capital One SavorOne?
It depends on your spending habits. The Chase Freedom Unlimited has no annual fee and earns 1.5% base rewards. The Capital One SavorOne has no annual fee and earns 1% base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Chase Freedom Unlimited and Capital One SavorOne?
The Chase Freedom Unlimited has no annual fee while the Capital One SavorOne has no annual fee. Both cards have the same annual fee, so the decision comes down to rewards structure and perks.
Can I have both the Chase Freedom Unlimited and Capital One SavorOne?
Yes, since these cards are from different issuers (Chase and Capital One), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.