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

Capital One SavorOne Rewards Breakdown

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Why We Like It

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Here’s a breakdown of what makes the Capital One SavorOne Rewards (See Rates & Fees) card a standout choice for foodies and entertainment lovers.

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• You can earn elevated cash back on everyday purchases like dining, entertainment, and at grocery stores.
• The card offers flexible redemption options, and your rewards won't expire for the life of the account.
• Cardholders get access to exclusive entertainment and dining experiences through Capital One.

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Pros

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• Earn bonus cash back on popular categories, including dining, entertainment, popular streaming services, and at grocery stores.
• Enjoy travel perks like bonus rewards on hotels and rental cars booked through Capital One Travel and no foreign transaction fees.
• Redeem your cash back in any amount, at any time, and your rewards won't expire for the life of the account.

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Cons

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• The card charges an annual fee.
• It lacks a welcome bonus for new cardholders and an introductory APR offer on purchases.
• Purchases outside of the card's bonus categories earn a lower rewards rate.

Capital One SavorOne Rewards vs Chase Freedom Flex®

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Categories

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When deciding which is better, Chase Freedom Flex® or Capital One SavorOne Rewards, it's essential to compare the spending categories where each card offers the most value.

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• Chase Freedom Flex®: This card is ideal for savvy spenders who enjoy maximizing rewards through rotating bonus categories and also spend on travel booked through the issuer's portal, dining, and at drugstores.
• Capital One SavorOne Rewards: This card is best suited for those who spend consistently on dining out, entertainment, popular streaming services, and at grocery stores.

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Redemption

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Chase Freedom Flex®: Rewards are earned as flexible points that can be redeemed for cash back, gift cards, or travel booked through the issuer's portal. These points can also be combined with other eligible Chase cards to unlock even more valuable redemption options.

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Capital One SavorOne Rewards: This card offers a straightforward cash back system, where your rewards can be redeemed for a statement credit or a check at any time. There are no minimum redemption amounts, giving you easy access to your earnings whenever you want.

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Travel Perks

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• Chase Freedom Flex®: While not a dedicated travel card, it provides access to the issuer's travel portal for booking trips. Rewards can be transferred to airline and hotel partners as miles, especially when paired with a premium Chase travel card. A foreign transaction fee applies to purchases made abroad, and the card does not offer complimentary airport lounge access.
• Capital One SavorOne Rewards: A great option for international travel, this card does not charge a foreign transaction fee. Cardholders can book travel through the Capital One Travel portal. Rewards can be converted to miles and transferred to travel partners when paired with an eligible Capital One miles card. Access to the Capital One Lounge network is available for purchase.

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Compare Top Rated Credit Cards with Kudos

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To make the decision easier, you can use a financial companion tool like Kudos, which allows you to compare nearly 3,000 credit cards and get personalized recommendations based on your actual spending.

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• Test drive cards: Before you apply, you can simulate your potential earnings with any card using your real spending data. This gives you a personalized projection of annual rewards and shows how a new card compares to your current ones.
• Check approval odds: Get a detailed analysis based on your credit report to understand your likelihood of being approved for different cards before you submit an application.
• Get a 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.
• Track sign-up bonuses: Monitor your progress toward earning a new card’s sign-up bonus for free, ensuring you don’t miss out on valuable rewards.
• Earn extra rewards: With Kudos Boost, you can earn additional rewards on top of your credit card points when shopping at participating online stores.

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 by activating and spending in rotating bonus categories each quarter. It's particularly well-suited for those who frequently dine out or make drugstore purchases, as well as rewards enthusiasts aiming to build the "Chase trifecta" by pairing it with a premium Chase card. This card is ultimately ideal for anyone who wants a no-annual-fee option with strong earning potential and is willing to put in a little effort to track categories.

Who Should Choose the Capital One SavorOne Rewards?

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The Capital One SavorOne Cash Rewards Credit Card is tailored for consumers with fair credit who want to earn rewards on everyday purchases while improving their credit score. It's a strong option for those whose spending is concentrated in dining, entertainment, popular streaming services, and at grocery stores, as these categories earn a high cash-back rate. This card is best suited for users who can earn enough rewards to offset the annual fee, making it a practical steppingstone toward qualifying for more premium cards in the future.

Alternatives to Consider

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If our Chase Freedom Flex® vs. Capital One SavorOne Rewards comparison didn't seal the deal for you, other excellent cash-back cards might be a better fit for your wallet. Let's explore a few alternatives that could align more closely with your spending patterns.

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Tips for Application Success

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Before You Apply

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• Check your credit score: Know where you stand, as different cards target different credit profiles, from fair to excellent.
• Review issuer application rules: Be aware of any restrictions, like Chase's 5/24 rule, that could affect your eligibility.
• Plan your spending: Ensure you can meet any welcome offer requirements organically without forcing unnecessary purchases.

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Application Strategy

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• Check for pre-approval offers - Many issuers, like Capital One, let you see potential offers without impacting your credit score.
• Time your application - Align your application with planned large purchases to help meet welcome offer spending requirements.
• Understand issuer-specific rules - Be mindful of policies like the Chase 5/24 rule that can affect your approval chances.

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 the Capital One SavorOne card?

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Yes, it's possible to have both cards in your wallet. Many people use multiple credit cards to maximize rewards across different spending categories.

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What credit score do I need for the Freedom Flex or SavorOne?

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While issuers don't publish exact credit score requirements, both cards are generally intended for applicants with good to excellent credit. A strong credit history will improve your chances of approval for either card.

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How do I choose the right card for my spending habits?

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To choose the best card, review your recent spending to see where most of your money goes. Aligning a card's bonus categories with your top spending areas is the key to maximizing your rewards.

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