Card database → Chase Freedom Unlimited vs Capital One Savor
Chase Freedom Unlimited vs Capital One Savor
Printed earn rates valued in cents per dollar, side by side — the same math the Credit Upside engine runs on every charge. Card data verified 2026-08-21.
| Category | Chase Freedom Unlimited | Capital One Savor |
|---|---|---|
| Dining | 3.0¢/$ (3%) | 3.0¢/$ (3%) |
| Groceries | 1.5¢/$ (1.5%) | 3.0¢/$ (3%) |
| Gas | 1.5¢/$ (1.5%) | 1.0¢/$ (1%) |
| Travel | 1.5¢/$ (1.5%) | 1.0¢/$ (1%) |
| Flights | 1.5¢/$ (1.5%) | 1.0¢/$ (1%) |
| Hotels | 1.5¢/$ (1.5%) | 1.0¢/$ (1%) |
| Streaming | 1.5¢/$ (1.5%) | 3.0¢/$ (3%) |
| Online retail | 1.5¢/$ (1.5%) | 1.0¢/$ (1%) |
| Issuer travel portal | 5.0¢/$ (5%) | 5.0¢/$ (5%) |
| Drugstores | 3.0¢/$ (3%) | 1.0¢/$ (1%) |
| Entertainment | 1.5¢/$ (1.5%) | 3.0¢/$ (3%) |
| Everything else | 1.5¢/$ (1.5%) | 1.0¢/$ (1%) |
| Annual fee | None | None |
| Statement credits (max/yr) | — | — |
| Foreign transaction fee | 3% | None |
| Signup bonus | 20,000 after $500/3mo | — |
| Offer last confirmed | 2026-09-14 | — |
Chase Freedom Unlimited wins more of the everyday categories (7 of 12), but Capital One Savor still wins where you might spend most — which card earns more depends entirely on where YOUR money goes.
Point values are Credit Upside's maintained mid-range estimates (). Caps, rotating categories and credit usage change the real answer — the app applies all of them to your actual statement.
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