Chase Freedom Unlimited 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 closer look at what makes the Capital One SavorOne Rewards (See Rates & Fees) card a standout choice for foodies and entertainment lovers.

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• You’ll earn bonus cash back in a wide range of everyday categories, including dining, entertainment, popular streaming services, and at grocery stores.
• Earning rewards is simple since there are no rotating categories to activate and no limits on the amount of cash back you can earn.
• Cardholders enjoy flexible rewards that don't expire for the life of the account and pay no foreign transaction fees when traveling abroad.

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Pros

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• Generous rewards on dining, entertainment, streaming services, and at grocery stores.
• Highly flexible redemption options with no minimums, and rewards don't expire for the life of the account.
• No foreign transaction fees, making it ideal for international travel.

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Cons

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• The card comes with an annual fee, which may not be ideal for infrequent spenders.
• There is no welcome bonus for new cardholders or an introductory APR offer on purchases.
• Bonus reward categories have notable exclusions, and purchases outside of these areas earn a lower base rate.

Capital One SavorOne Rewards vs Chase Freedom Unlimited®

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Categories

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When considering which is better Chase Freedom Unlimited or Capital One SavorOne, the decision often boils down to your primary spending habits and lifestyle.

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• Chase Freedom Unlimited® is an excellent option for everyday spenders who value consistent rewards on all their purchases, with added benefits for spending on dining and at drugstores.
• Capital One SavorOne Cash Rewards Credit Card is best suited for individuals whose spending is concentrated on dining, entertainment, popular streaming services, and at grocery stores.

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Redemption

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Chase Freedom Unlimited®: Rewards are earned as points which offer flexible redemption options, including cash back, gift cards, and travel booked through the Chase portal.

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Capital One SavorOne Rewards: This card offers straightforward cash back rewards that can be redeemed as a statement credit or a check at any time for any amount.

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Travel Perks

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• Chase Freedom Unlimited®: Rewards can be redeemed for travel through the Chase portal. While this card has a foreign transaction fee, its rewards can be combined with other premium Chase cards and transferred to airline and hotel partners to be used as miles.
• Capital One SavorOne Cash Rewards Credit Card: This card has no foreign transaction fees, making it a solid choice for international travel. Rewards can be redeemed for travel through the Capital One portal or transferred to travel loyalty programs to be used as miles when paired with an eligible Capital One miles card.

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Compare Top Rated Credit Cards with Kudos

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To make the best choice for your wallet, a tool like Kudos can help you compare top-rated cards using your own spending data for personalized recommendations.

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• Test drive credit cards: Before you apply, you can simulate potential earnings from different cards based on your actual spending history. This feature shows you a personalized projection of annual rewards and net value without a hard credit pull.
• Analyze approval odds: Get a detailed analysis of your likelihood of being approved for a specific card based on your credit report.
• Earn extra rewards: With Kudos Boost, you can earn additional rewards on top of your credit card rewards when shopping at participating stores.
• Get a welcome offer guarantee: If you find a better welcome offer for a card you got through Kudos within three months, Kudos will match it.
• Track your finances: The platform allows you to monitor your spending, track your credit score, and manage all your credit cards in one place.

Who Should Choose the Chase Freedom Unlimited®?

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The Chase Freedom Unlimited® is an excellent choice for everyday spenders who want consistent rewards without the hassle of tracking rotating bonus categories. It's particularly well-suited for those new to credit card rewards or existing Chase customers looking to pair it with a premium card to maximize point value. Additionally, individuals seeking valuable benefits like purchase protection and an extended warranty without paying an annual fee will find this card to be a strong contender.

Who Should Choose the Capital One SavorOne Rewards?

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The Capital One SavorOne Cash Rewards Credit Card is primarily aimed at applicants with fair credit who want to earn rewards while building a stronger credit profile. It's a great fit for individuals whose spending is concentrated on dining, entertainment, popular streaming services, and at grocery stores, allowing them to earn cash back on daily expenses. This card acts as a solid steppingstone for those who may not yet qualify for top-tier cards but still want to maximize their rewards.

Alternatives to Consider

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If you've weighed the Chase Freedom Unlimited® vs. Capital One SavorOne Rewards comparison and found neither is the perfect fit, don't worry. The credit card landscape offers other excellent options that might be better suited to your spending style.

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Tips for Application Success

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Before You Apply

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• Check your credit score: Card requirements vary, but most rewards cards require a good to excellent score.
• Plan your spending: Ensure you can comfortably meet any minimum spending requirements for a welcome offer without overspending.
• Know your rewards strategy: Understand how you’ll use your rewards, whether it’s cash back or transferring points to partners.

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Application Strategy

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• Use pre-approval tools - Many issuers, like Capital One, let you check your eligibility without impacting your credit score.
• Be mindful of issuer rules - Some issuers, like Chase, may have restrictions based on how many cards you’ve recently opened.
• Think about card pairings - A card like the Chase Freedom Unlimited® becomes more powerful when paired with a premium card to unlock travel partners.

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 beginners?

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Both the Chase Freedom Unlimited® and Capital One SavorOne are strong contenders for those new to rewards, thanks to their simple earning structures. Your choice should hinge on which card's bonus categories better match your everyday spending.

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Can I have both the Chase Freedom Unlimited® and the Capital One SavorOne card?

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Absolutely. Holding both cards is a popular strategy for maximizing rewards, allowing you to use each one for the purchases where it earns the highest rate back.

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How do I choose if my spending habits change frequently?

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If your spending varies, look at which card aligns with your most consistent purchase categories, even if they aren't your largest. It's also wise to consider which card's broader rewards program offers the flexibility you'll need down the road.

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