First-year winner
Capital One Savor Cash Rewards Credit Card
$37 Year 1 edge
$756 vs $718
Compare Cards
Stack up the better credit card
Compare two cards side by side with your real spend, credits, fees, and rewards.
Card A
Card B
Monthly spend
Start with spending categories
Monthly Total
$2,430/mo
Reward assumptions
Credits & benefits
Count the credits and perks you actually expect to use. Credit rows start with conservative default values; edit them for your own merchant, timing, or travel friction.
Card A
Capital One Savor Cash Rewards Credit Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Capital One Travel Protections
Price Protection · No listed cash value
Capital One Travel includes booking tools such as price monitoring, price drop protection, price match, and flexible booking features on eligible bookings.
Perk
Capital One Entertainment Access
Other · No listed cash value
Access to eligible entertainment, sports, and dining events through Capital One Entertainment.
Perk
Capital One Dining Access
Other · No listed cash value
Access to select dining reservations and culinary experiences through Capital One Dining.
Perk
Hertz Five Star Status
Other · No listed cash value
Eligible cardholders can enroll in Hertz Five Star status for added rental benefits.
Card B
Chase Freedom Unlimited
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
DashPass Membership and Quarterly Promos
Other · No listed cash value
Cardholders can receive a complimentary DashPass membership window plus rotating non-restaurant DoorDash promos.
Perk
Lyft Partner Offer
Other · No listed cash value
Eligible Lyft purchases can qualify for an elevated partner offer during the issuer's promotional period.
Perk
Purchase Protection
Purchase Protection · No listed cash value
Can help protect eligible new purchases against damage or theft for a limited period after purchase.
Perk
Extended Warranty Protection
Extended Warranty · No listed cash value
Can extend the original U.S. manufacturer's warranty on eligible purchases.
Perk
Auto Rental Collision Damage Waiver
Rental Car · No listed cash value
Can provide theft and collision coverage for eligible rental vehicles.
Perk
Trip Cancellation and Interruption Insurance
Travel Insurance · No listed cash value
Can reimburse covered prepaid travel expenses when a qualifying trip is canceled or interrupted for a covered reason.
Perk
Trip Delay Reimbursement
Travel Insurance · No listed cash value
Can reimburse eligible out-of-pocket expenses when a covered trip is delayed beyond the issuer's threshold.
Verdict
Capital One Savor Cash wins year 1 and long term.
Winner after year 1
Capital One Savor Cash Rewards Credit Card
$37 ongoing edge
$556 vs $518
Long-term breakeven: the higher-reward option needs roughly $0 per year in this spend mix to overcome the fee and benefit gap.
Capital One
Capital One Savor Cash Rewards Credit Card
Year One
$756
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$556
Annual rewards + counted benefits - fee
Annual Rewards
$556
1.91% effective return
Welcome Offer
$200
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$500
3 mo window · $167/mo pace · Comfortable
Why it wins
- • Stays usable for international purchases.
Watch for
- • No major red flag surfaced from the current math.
Chase
Chase Freedom Unlimited
Year One
$718
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$518
Annual rewards + counted benefits - fee
Annual Rewards
$518
1.78% effective return
Welcome Offer
$200
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$500
3 mo window · $167/mo pace · Comfortable
Why it wins
- • No standout edge under the current assumptions.
Watch for
- • Foreign transaction fees make it weaker for international spend.
Spend Mix Math
Where the value actually comes from
Category returns are based on the spend mix you entered, your point-value assumption, and the benefits you chose to count.
Dining
3%
$5,400
Capital One Savor Cash
$162
3.00%
Chase Freedom Unlimited
$162
3.00%
Groceries
3%
$7,800
Capital One Savor Cash
$234
3.00%
Chase Freedom Unlimited
$117
1.50%
Travel
1%
$3,000
Capital One Savor Cash
$30
1.00%
Chase Freedom Unlimited
$45
1.50%
Gas
1%
$1,920
Capital One Savor Cash
$19
1.00%
Chase Freedom Unlimited
$29
1.50%
General
1%
$11,040
Capital One Savor Cash
$110
1.00%
Chase Freedom Unlimited
$166
1.50%
Total annual spend
$29,160 across this mix
Capital One Savor Cash$556
Chase Freedom Unlimited$518
Raw Breakdown
Full side-by-side details
Use the spec table below when you want the literal field-by-field differences in rewards, benefits, transfer partners, fees, and approval profile.
| Metric | Capital One Savor Cash Rewards Credit Card | Chase Freedom Unlimited |
|---|---|---|
| Costs | ||
| Annual fee | Free | Free |
| Foreign transaction fee | None | 3% |
| Rewards | ||
| Dining rewards | 3% | 3% |
| Entertainment rewards | 3% | — |
| Groceries rewards | 3% | — |
| Other rewards | — | 3% Drugstore purchases. |
| Streaming rewards | 3% | — |
| Travel rewards | 5% Hotels, vacation rentals, rental cars, and activities through Capital One Travel. | 5% Travel purchased through Chase Travel. |
| All rewards | 1% | 1.5% |
| Offer | ||
| Welcome offer | $200 credit Spend $500 in 3 mo | $200 credit Spend $500 in 3 mo |
| Benefits | ||
| Estimated benefits | 4 listed | 7 listed |
| Benefit highlights | Capital One Travel Protections · Capital One Entertainment Access · Capital One Dining Access · +1 more | DashPass Membership and Quarterly Promos · Lyft Partner Offer · Purchase Protection · +4 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | — | visa |
| Reward type | Cashback | Cashback |
Costs
Annual fee
Capital One Savor Cash Rewards Credit Card
Free
Chase Freedom Unlimited
Free
Foreign transaction fee
Capital One Savor Cash Rewards Credit Card
None
Chase Freedom Unlimited
3%
Rewards
Dining rewards
Capital One Savor Cash Rewards Credit Card
3%
Chase Freedom Unlimited
3%
Entertainment rewards
Capital One Savor Cash Rewards Credit Card
3%
Chase Freedom Unlimited
—
Groceries rewards
Capital One Savor Cash Rewards Credit Card
3%
Chase Freedom Unlimited
—
Other rewards
Capital One Savor Cash Rewards Credit Card
—
Chase Freedom Unlimited
3%
Drugstore purchases.
Streaming rewards
Capital One Savor Cash Rewards Credit Card
3%
Chase Freedom Unlimited
—
Travel rewards
Capital One Savor Cash Rewards Credit Card
5%
Hotels, vacation rentals, rental cars, and activities through Capital One Travel.
Chase Freedom Unlimited
5%
Travel purchased through Chase Travel.
All rewards
Capital One Savor Cash Rewards Credit Card
1%
Chase Freedom Unlimited
1.5%
Offer
Welcome offer
Capital One Savor Cash Rewards Credit Card
$200 credit
Spend $500 in 3 mo
Chase Freedom Unlimited
$200 credit
Spend $500 in 3 mo
Benefits
Estimated benefits
Capital One Savor Cash Rewards Credit Card
4 listed
Chase Freedom Unlimited
7 listed
Benefit highlights
Capital One Savor Cash Rewards Credit Card
Capital One Travel Protections · Capital One Entertainment Access · Capital One Dining Access · +1 more
Chase Freedom Unlimited
DashPass Membership and Quarterly Promos · Lyft Partner Offer · Purchase Protection · +4 more
Profile
Credit needed
Capital One Savor Cash Rewards Credit Card
Good
Chase Freedom Unlimited
Good
Network
Capital One Savor Cash Rewards Credit Card
—
Chase Freedom Unlimited
visa
Reward type
Capital One Savor Cash Rewards Credit Card
Cashback
Chase Freedom Unlimited
Cashback