Chase Freedom Flex vs Capital One Savor: Which Is Better In 2025?

Capital One Savor Cash Rewards Breakdown

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Why We Like It

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Here's a closer look at why we're fans of the Capital One Savor Cash Rewards (See Rates & Fees).

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• It offers consistent cash back on popular spending categories like dining, entertainment, and streaming services without the hassle of rotating categories.
• Rewards are easy to redeem for cash back or travel, and can even be converted to miles if you have an eligible travel card.
• Cardholders get access to valuable perks like exclusive entertainment events and travel and purchase protections.

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Pros

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• Earns unlimited cash back on dining, entertainment, and popular streaming services.
• It’s a travel-friendly card with no foreign transaction fees.
• Cardholders gain access to exclusive entertainment events and can redeem rewards flexibly.

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Cons

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• Requires a good to excellent credit score for approval, which may limit accessibility for some applicants.
• Bonus cash back for groceries doesn't apply to purchases made at superstores or wholesale clubs.

Capital One Savor Cash Rewards vs Chase Freedom Flex®

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Categories

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Deciding which is better, Chase Freedom Flex® or Capital One Savor Cash Rewards, depends entirely on your spending habits. Each card excels in different areas, making one a clear winner for some consumers and the other a better fit for others.

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• Chase Freedom Flex®: This card is best for those who enjoy maximizing rewards through rotating quarterly bonus categories and also offers rewards on travel, dining, and drugstore purchases.
• Capital One Savor Cash Rewards Credit Card: This card is ideal for individuals who spend a significant amount on dining and entertainment, as well as on popular streaming services and at grocery stores.

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Redemption

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Chase Freedom Flex®: Points can be redeemed for cash back, travel booked through the Chase portal, or gift cards. Cardholders with other premium Chase cards can also transfer points to those accounts for potentially more valuable travel redemptions.

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Capital One Savor Cash Rewards Credit Card: Rewards are earned as straightforward cash back that can be redeemed for a statement credit or a check at any time, for any amount. You can also set up automatic redemptions at a specific time each year or once your rewards hit a certain threshold.

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Travel Perks

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• Chase Freedom Flex®: Travel can be booked through the Chase travel portal, but the card does include a foreign transaction fee. It does not offer complimentary airport lounge access. For those looking to fly, rewards can be transferred to various airline partners to accumulate travel miles, though this may require another eligible Chase card.
• Capital One Savor Cash Rewards Credit Card: Cardholders can book trips via the Capital One travel portal and enjoy no foreign transaction fees on international purchases. While it doesn't provide complimentary lounge access, rewards earned can be converted to miles through an eligible Capital One travel card, offering flexibility for frequent flyers.

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Compare Top Rated Credit Cards with Kudos

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For those looking to simplify the decision-making process, tools like Kudos can help you compare top-rated cards based on your own spending data.

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• Test Drive Cards: Simulate the rewards of a new credit card using your real spending data to see potential earnings before you apply.
• Personalized Recommendations: Get data-driven card recommendations based on your transaction history and a detailed analysis of your approval odds.
• Kudos Boost: Earn additional rewards when shopping at participating stores, which can be stacked on top of your regular credit card rewards.
• Financial Dashboard: Monitor your transactions, spending habits, and credit score all in one place.
• Welcome Offer Guarantee: If you find a better public welcome offer for a card you got through Kudos within three months, the platform will match it.

Who Should Choose the Chase Freedom Flex®?

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The Chase Freedom Flex® is an excellent choice for savvy spenders who enjoy maximizing rewards and don't mind tracking bonus categories. This card is particularly valuable for those who can take full advantage of the 5% cash back on rotating quarterly categories on up to $1,500 in combined purchases each quarter you activate, then 1%, plus the consistent 3% back on dining and drugstore purchases. It's also a perfect no-annual-fee card for anyone looking to build a "Chase trifecta" by pairing it with premium cards to pool and enhance the value of their Ultimate Rewards® points.

Who Should Choose the Capital One Savor Cash Rewards?

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The Capital One Savor Cash Rewards Credit Card is an excellent choice for individuals who frequently spend on dining out and entertainment. This card is tailored for those who can maximize its unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores. It's particularly well-suited for urban professionals and active families, as well as travelers who can benefit from having no foreign transaction fees.

Alternatives to Consider

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If the Chase Freedom Flex® vs. Capital One Savor Cash Rewards comparison didn't point you to your next card, there are plenty of other fish in the sea. Let's explore a few alternative cash-back cards that might be a better fit for your wallet.

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Tips for Application Success

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Before You Apply

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• Check your credit score to ensure you meet the typical requirement of good to excellent credit.
• Review recent applications as some issuers, like Chase, have rules regarding how many cards you've recently opened.
• Understand the rewards structure so you can confirm the card’s bonus categories align with your spending habits.

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Application Strategy

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• Time your application strategically before a large planned purchase to help meet any welcome offer spending requirements.
• Be mindful of issuer-specific rules, as some banks may decline applications based on how many cards you've recently opened.
• Ask about a product change if you're an existing customer, as it may be an option to get a new card without a hard inquiry on your credit report.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Can I have both the Chase Freedom Flex and a Capital One Savor card?

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Yes, you can apply for and hold both cards simultaneously. This can be an effective strategy to maximize your rewards across a wider range of spending categories.

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How do I choose between rotating bonus categories and fixed-rate rewards?

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Your choice depends on your personal preference for managing rewards. Consider whether you enjoy tracking rotating categories for potentially higher returns or if you prefer the simplicity of consistent rewards on certain types of spending.

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Do the rewards I earn with these cards expire?

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Typically, credit card rewards do not expire as long as your account remains open and in good standing. It is always best to check the card's terms for specific details about its rewards program.

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