First-year winner
Capital One Savor Cash Rewards Credit Card
$156 Year 1 edge
$756 vs $600
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
Chase Freedom Flex
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
Cell Phone Protection
Cell Phone · No listed cash value
Can provide coverage for eligible cell phone damage or theft when the monthly bill is paid with the card.
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.
Card B
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.
Verdict
Capital One Savor Cash wins year 1 and long term.
Winner after year 1
Capital One Savor Cash Rewards Credit Card
$156 ongoing edge
$556 vs $400
Long-term breakeven: the higher-reward option needs roughly $0 per year in this spend mix to overcome the fee and benefit gap.
Chase
Chase Freedom Flex
Year One
$600
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$400
Annual rewards + counted benefits - fee
Annual Rewards
$400
1.37% 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.
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.
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
Chase Freedom Flex
$162
3.00%
Capital One Savor Cash
$162
3.00%
Groceries
1%
$7,800
Chase Freedom Flex
$78
1.00%
Capital One Savor Cash
$234
3.00%
Travel
1%
$3,000
Chase Freedom Flex
$30
1.00%
Capital One Savor Cash
$30
1.00%
Gas
1%
$1,920
Chase Freedom Flex
$19
1.00%
Capital One Savor Cash
$19
1.00%
General
1%
$11,040
Chase Freedom Flex
$110
1.00%
Capital One Savor Cash
$110
1.00%
Total annual spend
$29,160 across this mix
Chase Freedom Flex$400
Capital One Savor Cash$556
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 | Chase Freedom Flex | Capital One Savor Cash Rewards Credit Card |
|---|---|---|
| Costs | ||
| Annual fee | Free | Free |
| Foreign transaction fee | 3% | None |
| Rewards | ||
| Dining rewards | 3% | 3% |
| Entertainment rewards | — | 3% |
| Groceries rewards | — | 3% |
| Other rewards | 5% Up to $1,500 in combined rotating-category purchases each quarter after activation. | — |
| Streaming rewards | — | 3% |
| Travel rewards | 5% Travel purchased through Chase Travel. | 5% Hotels, vacation rentals, rental cars, and activities through Capital One Travel. |
| All rewards | 1% | 1% |
| Offer | ||
| Welcome offer | $200 credit Spend $500 in 3 mo | $200 credit Spend $500 in 3 mo |
| Benefits | ||
| Estimated benefits | 8 listed | 4 listed |
| Benefit highlights | DashPass Membership and Quarterly Promos · Lyft Partner Offer · Cell Phone Protection · +5 more | Capital One Travel Protections · Capital One Entertainment Access · Capital One Dining Access · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | mastercard | — |
| Reward type | Cashback | Cashback |
Costs
Annual fee
Chase Freedom Flex
Free
Capital One Savor Cash Rewards Credit Card
Free
Foreign transaction fee
Chase Freedom Flex
3%
Capital One Savor Cash Rewards Credit Card
None
Rewards
Dining rewards
Chase Freedom Flex
3%
Capital One Savor Cash Rewards Credit Card
3%
Entertainment rewards
Chase Freedom Flex
—
Capital One Savor Cash Rewards Credit Card
3%
Groceries rewards
Chase Freedom Flex
—
Capital One Savor Cash Rewards Credit Card
3%
Other rewards
Chase Freedom Flex
5%
Up to $1,500 in combined rotating-category purchases each quarter after activation.
Capital One Savor Cash Rewards Credit Card
—
Streaming rewards
Chase Freedom Flex
—
Capital One Savor Cash Rewards Credit Card
3%
Travel rewards
Chase Freedom Flex
5%
Travel purchased through Chase Travel.
Capital One Savor Cash Rewards Credit Card
5%
Hotels, vacation rentals, rental cars, and activities through Capital One Travel.
All rewards
Chase Freedom Flex
1%
Capital One Savor Cash Rewards Credit Card
1%
Offer
Welcome offer
Chase Freedom Flex
$200 credit
Spend $500 in 3 mo
Capital One Savor Cash Rewards Credit Card
$200 credit
Spend $500 in 3 mo
Benefits
Estimated benefits
Chase Freedom Flex
8 listed
Capital One Savor Cash Rewards Credit Card
4 listed
Benefit highlights
Chase Freedom Flex
DashPass Membership and Quarterly Promos · Lyft Partner Offer · Cell Phone Protection · +5 more
Capital One Savor Cash Rewards Credit Card
Capital One Travel Protections · Capital One Entertainment Access · Capital One Dining Access · +1 more
Profile
Credit needed
Chase Freedom Flex
Good
Capital One Savor Cash Rewards Credit Card
Good
Network
Chase Freedom Flex
mastercard
Capital One Savor Cash Rewards Credit Card
—
Reward type
Chase Freedom Flex
Cashback
Capital One Savor Cash Rewards Credit Card
Cashback