Capital One Savor vs. Chase Freedom Unlimited: For Foodies, the Choice Is a No-Brainer

The Capital One Savor (see rates and fees) can help you save on groceries, while the Chase Freedom Unlimited® (see rates and fees) acts more like an all-purpose card.

With this in mind, let's delve into the card debate and see which is better for you.

Capital One Savor vs. Chase Freedom Unlimited overview

As of Mar. 20, 2025


Capital One Savor Cash Rewards Credit Card	Chase Freedom Unlimited®
Rating image, 4.50 out of 5 stars. 4.50/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. Rating image, 4.50 out of 5 stars. 4.50/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	Rating image, 5.00 out of 5 stars. 5.00/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. Rating image, 5.00 out of 5 stars. 5.00/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Apply Now for Capital One Savor Cash Rewards Credit Card On Capital One's Secure Website. Rates & Fees	Apply Now for Chase Freedom Unlimited® On Chase's Secure Website. Rates & Fees
Read Full Review	Read Full Review
Credit Rating Requirement: Recommended Credit Score required for this offer is: Good/Excellent (670-850) Good/Excellent (670-850)	Credit Rating Requirement: Recommended Credit Score required for this offer is: Good/Excellent (670-850) Good/Excellent (670-850)

Welcome Offer: $200 Cash Back	Welcome Offer: Earn $250 cash back

Rewards Program: 1%-8% cash back	Rewards Program: 1.5% - 5% cash back

Intro APR: Purchases: 0% intro on purchases for 15 months Balance Transfers: 0% intro on balance transfers for 15 months (Balance Transfer Fee Applies)	Intro APR: Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR: 19.24% - 29.24% (Variable)	Regular APR: 18.99% - 28.49% Variable

Annual Fee: $0	Annual Fee: $0

Highlights: Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases Earn 8% cash back on Capital One Entertainment purchases Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies No foreign transaction fee No annual fee	Highlights: Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases. No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open! Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%. No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more. Member FDIC
Apply Now for Capital One Savor Cash Rewards Credit Card On Capital One's Secure Website. Rates & Fees	Apply Now for Chase Freedom Unlimited® On Chase's Secure Website. Rates & Fees
Show More Show Less

Where these cards really break down are with welcome bonuses and earning cash back

The Capital One Savor Cash Rewards Credit Card see rates and fees) might be the better choice if you're looking for a food credit card that earns bonus cash back on groceries. The welcome offer can also be earned relatively quickly -- or at least within three months -- which would suit those who don't want to earn the bonus slowly over their card's first year.

Meanwhile, Chase Freedom Unlimited® earns 1.5% on general spending. While some cash back cards earn 2% on general spending, these cards typically don't have any bonus rates. In contrast, the Chase Freedom Unlimited® has several bonus rates, including 3% back for drugstores, restaurants, takeout, and eligible food delivery.

Here's my personal experience with the Capital One Savor

I've been a cardholder of the Capital One Savor since 2021, and it remains one of my favorite cash back cards. I love how simple the rewards are -- a flat 3% back on food and entertainment. (See rates and fees.)

TIP

Get more value from your cash back

Redeem cash back for certain gift cards through Capital One. For example, you can get a $25 Apple gift card for $22.50 of cash back.

Why Capital One Savor might be the ideal choice

The Capital One Savor Cash Rewards Credit Card is ideal for those who want a no-frills way to earn bonus cash back on food expenses, including groceries, dining out, take-out, and delivery. It also earns 8% back on Capital One Entertainment purchases, 5% on hotels and rental cars booked through Capital One Travel, 3% back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), and a sweet $200 welcome bonus when you spend $500 within the first 3 months.

When Chase Freedom Unlimited could be the better option

Chase Freedom Unlimited® has one of the highest welcome bonuses of any no fee credit card: Limited Time Intro Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening. Although it doesn't earn extra cash back on groceries, it does earn 3% back on restaurants, drugstores, takeout, and eligible food delivery. It also has a strong base rate of 1.5%, which can capture any non-categorized or miscellaneous spending. This might make it a better all-purpose credit card than the Capital One Savor Cash Rewards Credit Card, which earns 1% for general spending. (See rates and fees.)

Though the Chase Freedom Unlimited® doesn't earn extra on groceries, be on the lookout for Chase's special offers. Every now and then, Chase will put a bonus rate for groceries on the Chase Freedom Unlimited® for its first year. In the past, it has even stacked this extra bonus rate on top of the card's normal welcome offer, giving you two bonuses in one. While there's no guarantee it will do this again, it's a pleasant surprise when it does.

Capital One Savor vs. Chase Freedom Unlimited comparison

Deciding between the Capital One Savor Cash Rewards Credit Card and Chase Freedom Unlimited® really comes down to how you want to earn cash back. With that in mind, let's put these cards head to head and see how they compare.

Rewards: Capital One Savor takes the lead

For foodies, the Capital One Savor Cash Rewards Credit Card is a no-brainer. This card's headliner perk is its 3% cash back rate on groceries, dining, takeout, and entertainment. In addition to food and entertainment, it also earns 8% back on Capital One Entertainment purchases, 5% back on hotels and rental cars booked through Capital One Travel, and 1% back on all other purchases. (See rates and fees.)

For its part, Chase Freedom Unlimited® also earns hefty cash back for dining out, though it lacks the same cash back bonus for groceries. The card earns 3% back on restaurants, drugstores, takeout, and eligible food delivery. Plus, it earns 5% cash back on travel purchased through Chase Travel and 1.5% on other purchases.

As far as which rewards are better, it really depends on how much you spend on groceries. If groceries are a big expense -- and for most of us, they are -- Capital One Savor Cash Rewards Credit Card takes the lead. However, if you have a lot of miscellaneous or non-categorized spending, the 1.5% rate on the Chase Freedom Unlimited® could generate slightly more cash back.

Welcome offer: Goes to Chase Freedom Unlimited

The Capital One Savor Cash Rewards Credit Card has a straightforward welcome offer. New cardholders can earn a $200 Cash Back bonus after they spend $500 in the first 3 months. (See rates and fees.) This amount is pretty standard among the best cash back credit cards. Even so, if you want a quick bonus to snag, this could be low-hanging fruit.

In contrast, the Chase Freedom Unlimited® offers you the chance to earn $250 after you spend $500 in the first 3 months.

Annual Fee: Neither card charges one

Thankfully, neither credit card charges an annual fee. That said, the Capital One Savor Cash Rewards Credit Card (see rates and fees) comes out slightly ahead in that it doesn't charge a foreign transaction fee. The Chase Freedom Unlimited®, however, has a foreign transaction fee of 3% of each transaction in U.S. dollars.

Intro APR has the cards tied

The Capital One Savor Cash Rewards Credit Card (see rates and fees) offers a 0% intro APR on new purchases and balance transfers for 15 months. After that, the card will revert to its standard 19.24% - 29.24% (Variable) APR. For balance transfers, you'll pay a fee of 3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time.

Likewise, the Chase Freedom Unlimited® has a 0% intro APR on new purchases and balance transfers for 15 months. For balance transfers, it charges: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. After that, you'll pay: Either $5 or 5% of the amount of each transfer, whichever is greater..