Chase Freedom Unlimited 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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• Cardholders can earn unlimited bonus cash back on common purchases like dining, entertainment, and streaming services.
• The card is a great travel companion and also provides access to exclusive entertainment events.
• Redeeming your rewards is straightforward, with flexible options that include converting them to miles if you have an eligible travel card.

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Pros

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• Earn unlimited bonus cash back on dining, entertainment, popular streaming services, and at grocery stores.
• Access exclusive entertainment events and enjoy valuable travel and purchase protections.
• Redeem rewards with no minimums for cash back, or convert them to miles if you also have an eligible Capital One travel card.

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Cons

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• Approval typically requires a good to excellent credit history.
• Bonus rewards on grocery store spending don't apply to purchases at superstores or wholesale clubs.
• The rewards structure is less beneficial if your spending falls outside of the card's main bonus categories.

Capital One Savor Cash Rewards vs Chase Freedom Unlimited®

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Categories

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Deciding which is better, Chase Freedom Unlimited or Capital One Savor, comes down to your primary spending habits. Each card is designed to reward different types of purchases, making one a better fit depending on your lifestyle.

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• Chase Freedom Unlimited®: This card is ideal for everyday spenders who want to earn consistent rewards on all their purchases without having to track complicated bonus categories.
• Capital One Savor Cash Rewards Credit Card: This card is tailored for those who spend frequently on dining out and entertainment, offering strong rewards for food enthusiasts and event-goers.

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Redemption

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Chase Freedom Unlimited®: You can redeem your rewards for cash back, gift cards, or travel through the Chase Ultimate Rewards® portal. The points offer flexibility, allowing you to choose the redemption method that best suits your needs.

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Capital One Savor Cash Rewards Credit Card: Rewards are earned as cash back, which you can redeem as a statement credit or a check. This straightforward approach makes it easy to enjoy your earnings without navigating a complex rewards program.

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Travel Perks

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• Chase Freedom Unlimited®: You can use miles to book travel through the Chase Ultimate Rewards® portal. This card has a foreign transaction fee, which is a consideration for international trips. It does not offer complimentary airport lounge access.
• Capital One Savor Cash Rewards Credit Card: A major perk for travelers is that this card does not charge a foreign transaction fee. Miles can be redeemed for travel through the Capital One portal. Like its competitor, complimentary airport lounge access is not a feature of this card.

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Compare Top Rated Credit Cards with Kudos

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Kudos is a financial tool that helps you compare top-rated cards from a database of nearly 3,000 options to find the best fit for your spending habits.

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• Test drive credit cards: Use your real spending data to see personalized earnings projections before you apply.
• Approval odds analysis: Receive a detailed analysis of your approval odds for different cards based on your credit report.
• Welcome offer guarantee: If you find a better offer within three months, Kudos will match it.
• Kudos Kickstart+: Unlock $100 in Kickstart+ Rewards by adding select approved cards to your Kudos Wallet.
• Kudos Boost: Earn extra rewards on top of your credit card rewards when you shop at participating stores.

Who Should Choose the Chase Freedom Unlimited®?

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The Chase Freedom Unlimited® is an excellent choice for everyday spenders who want a straightforward rewards structure without paying an annual fee. It's particularly well-suited for those new to credit card rewards or anyone who prefers earning consistent cash back on all purchases, plus bonus rewards on dining and at drugstores, without the hassle of tracking rotating categories. Additionally, existing Chase customers can pair it with a premium card like the Chase Sapphire Preferred® to maximize 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 urban professionals and active families whose spending is heavily weighted towards dining out and entertainment. Cardholders can maximize value by earning unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores. It's also a strong contender for travelers who want to avoid foreign transaction fees and appreciate straightforward cash back rewards without an annual fee.

Alternatives to Consider

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So, the Chase Freedom Unlimited® vs Capital One Savor Cash Rewards comparison didn't reveal a clear winner for your wallet? That's perfectly fine, as the world of rewards credit cards is vast and offers many other compelling options to explore.

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Tips for Application Success

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Before You Apply

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• Check your credit score – Most cards require good to excellent credit for approval.
• Review your card strategy – Some cards offer enhanced value when paired with others from the same issuer.
• Consider your travel plans – Check if the card has foreign transaction fees before using it abroad.

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Application Strategy

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• Time your application – Apply before a large planned purchase to help meet spending requirements for a welcome offer.
• Leverage card pairings – Some cards, like the Chase Freedom Unlimited®, unlock higher value when combined with a premium travel card from the same issuer.
• Maximize reward types – You can convert cash back to miles on cards like the Capital One Savor Cash Rewards Credit Card if you also hold a miles-earning card from the same bank.

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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Which card is better for a beginner?

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The best card for a beginner depends entirely on your personal spending habits. Both cards are strong contenders, so you should review which one offers better rewards for the categories you spend the most on.

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

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Yes, it's possible to hold cards from different issuers simultaneously. Many savvy cardholders use multiple cards to maximize their rewards across a wider range of spending categories.

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How do I choose between the Chase Freedom Unlimited and Capital One Savor?

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To make the right choice, analyze your budget and spending patterns. The ideal card for you is the one that aligns best with your lifestyle and rewards you most for your typical purchases.

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