Advertiser disclosure: Roaming Cactus earns revenue from on-site advertising, and this page has no affiliate links. See How we make money. That doesn't change our editorial opinions or influence our reviews. Card details were checked against the issuer's website as of Oct 12, 2026 and can change. Annual fees, rewards rates and welcome offers are set by the issuers; confirm them on the issuer's "Rates & Fees" / "Pricing & Terms" page before applying.
Savor Rewards from Capital One and the Chase Freedom Unlimited both pay 3% on dining, but they split from there. Savor puts its higher rate on groceries, entertainment and streaming and pays 1% on everything else; Freedom Unlimited adds 3% on drugstores and pays 1.5% on all other purchases. Which one fits depends on where your spending lands, not on a single winner.
As of Oct 12, 2026, both issuers print a $0 annual fee. They differ on foreign transaction fees, intro APR length, travel-portal rates and what the rewards can become.
Our own free tracker, RewardTracker.io, lets you track two cards free; a one-time $10 unlock adds the rest of the catalog on that account.
At a Glance
- Which Savor: This is Savor Rewards from Capital One, not SavorOne.
- Fees: Both print a $0 annual fee. Savor prints no foreign transaction fees on purchases made outside of the United States; the Chase pricing and terms page lists a 3% foreign transaction fee for Freedom Unlimited.
- Earn: Savor pays 3% at grocery stores (excluding superstores like Walmart and Target), on dining, entertainment and popular streaming services, and 1% on all other purchases. Freedom Unlimited pays 3% on dining and drugstores and 1.5% on all other purchases. Each also prints a travel-portal rate.
- Intro APR: Savor prints 0% for 12 months on purchases and balance transfers; Freedom Unlimited prints 0% for the first 15 months.
- Rewards: Savor cash back doesn't expire for the life of the account. Freedom Unlimited rewards are tracked as Ultimate Rewards points that can be combined between your own Chase credit cards and with one household member who shares your address.
- Fit: Savor fits spending concentrated in groceries, dining, entertainment and streaming; Freedom Unlimited fits more varied spending.
| Term | Savor Rewards | Freedom Unlimited |
|---|---|---|
| Annual fee | $0 | $0 |
| Foreign transaction fee | None on purchases outside the U.S. | 3% |
| Intro APR on purchases and balance transfers | 0% for 12 months | 0% for 15 months |
| Variable APR after the intro period | 18.74% - 28.74% | 18.49% to 27.99% |
Card fees, rates, intro APR terms, welcome offers and rewards terms can change, so check the Capital One and Chase pages before you apply.
Real-World Examples
- A frequent diner: Both cards print 3% on dining; Freedom Unlimited's wording includes takeout and eligible delivery services.
- A family grocery run: Savor's 3% applies at grocery stores, excluding superstores like Walmart and Target. On Freedom Unlimited, groceries fall under its rate on all other purchases.
- A streaming-heavy household: Savor's 3% applies to popular streaming services, with some services excluded. Freedom Unlimited has no streaming category.
- Everything else: For purchases outside the bonus categories, Savor prints 1% and Freedom Unlimited prints 1.5%.
- A purchase abroad: Savor prints no foreign transaction fees; the Chase pricing and terms page lists 3% for Freedom Unlimited.
- Booking travel or tickets: The portal rates apply only when you book through each issuer's portal: Capital One Travel or Capital One Entertainment for Savor, Chase Travel for Freedom Unlimited.
Which Savor Card This Comparison Covers
- Savor Rewards: This comparison covers Savor Rewards from Capital One, the product named on the Capital One Savor Rewards card page as of Oct 12, 2026.
- SavorOne is different: Capital One's learn page on the Savor card describes SavorOne as a separate product for cardholders with fair credit, with a $39 annual fee and no bonus offer, while Savor Rewards is presented for excellent credit with no annual fee and a $200 bonus.
Annual Fee and Foreign Transaction Fee on Each Card
- Savor Rewards: The Capital One card page prints a $0 annual fee and no foreign transaction fees on purchases made outside of the United States.
- Freedom Unlimited: The Chase card page prints a $0 annual fee. The Chase pricing and terms page lists Foreign Transactions: 3% of the amount of each transaction in U.S. dollars.
How Each Card Earns
| Spending | Savor Rewards | Freedom Unlimited |
|---|---|---|
| Dining | 3% | 3% |
| Grocery stores (Savor excludes superstores like Walmart and Target) | 3% | 1.5% |
| Entertainment and popular streaming services | 3% | 1.5% |
| Drugstores | 1% | 3% |
| Hotels, vacation rentals and rental cars booked through Capital One Travel | 5% | 1.5% |
| Travel purchased through Chase Travel | 1% | 5% |
| Capital One Entertainment ticket purchases, for eligible Savor cardholders | 8% | 1.5% |
| All other purchases | 1% | 1.5% |
Savor Rewards
Capital One prints unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services; unlimited 5% on hotels, vacation rentals and rental cars booked through Capital One Travel; and unlimited 1% on all other purchases. Eligible Savor cardholders earn 8% on Capital One Entertainment purchases, which covers tickets on the Capital One Entertainment ticketing platform only.
The Savor card page defines the categories this way:
- Grocery: "A supermarket, meat locker, freezer, dairy product store and specialty market. Excludes superstores like Walmart® and Target®."
- Dining: "Dining includes restaurants, cafes, bars, lounges, fast-food chains, and bakeries." Some merchants inside larger establishments, such as hotel restaurants or grocery store food counters, and some food trucks or food carts may not categorize themselves as dining merchants.
- Entertainment: Ticket purchases at movie theaters, sports promoters (professional and semi-professional live events), theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls or bowling alleys. It excludes golf courses, collegiate sporting events and non-industry entertainment merchant codes like cable, digital streaming and membership services.
- Streaming: Purchases from eligible music and video streaming services, including but not limited to Netflix, Hulu and Disney+. Some services, such as Verizon FIOS On Demand, audiobook subscriptions and fitness programming, are excluded.
- How you pay: Purchases made through third-party payment accounts, mobile or wireless card readers, mobile or digital wallets or similar technology may not receive a higher percentage reward, depending on how the technology is set up to process the purchase.
Freedom Unlimited
Chase prints unlimited 1.5% cash back or more on all purchases: 3% on dining at restaurants, including takeout and eligible delivery services; 3% on drugstore purchases; 5% on travel purchased through Chase Travel; and 1.5% on all other purchases.
For a related decision about using Chase points, see our World of Hyatt card guide.
Welcome Offers
- Savor Rewards: The Capital One card page prints: "Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening." It adds that the bonus is available by applying through that page and may not be available if you navigate away from or close it, that Capital One applies the bonus to your rewards balance within two billing cycles of qualifying, and that existing or previous cardmembers are not eligible if they have received a new cardmember bonus for this product in the past 48 months.
- Freedom Unlimited: The Chase card page prints: "Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening." The bonus comes as 20,000 bonus points, which can be redeemed for $200 cash back. It's not available to current cardmembers or to previous cardmembers who received a new cardmember bonus for this card within the last 24 months; Chase says to allow 6 to 8 weeks for bonus points to post, and the account must be open and not in default at fulfillment.
The headline offers match; the eligibility windows differ, at 48 months on the Capital One page and 24 months on the Chase page.
Intro APR Terms and Balance Transfer Fees
Savor Rewards
- Per the Capital One card page, 0% intro APR for 12 months on purchases and balance transfers, then an 18.74% - 28.74% variable APR.
- Balance transfer fee: Capital One's rate block lists 3% on the amounts transferred within the first 12 months, and 4% on the amount of each transferred balance that posts to your account at a promotional APR Capital One may offer you.
Freedom Unlimited
- Per the Chase pricing and terms page, 0% intro APR for the first 15 months that your account is open on purchases and balance transfers, then 18.49% to 27.99%, based on your creditworthiness and other factors, varying with the market based on the Prime Rate.
- Balance transfer fee: an intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening; after that, either $5 or 5% of the amount of each transfer, whichever is greater.
What Savor Rewards Can Become
- No expiration: Per Capital One, rewards don't expire for the life of the account, and you can redeem cash back for any amount.
- Redemption options: Statement credits or a check, gift cards, purchases on Amazon.com, purchases with PayPal, and tickets through Capital One Entertainment.
- Travel: Capital One's Savor learn page also lists flights, hotels, vacation rentals, rental cars and activities booked through Capital One Travel as a way to redeem.
Capital One's miles cards are a separate program, covered in our Capital One miles guide and our Venture X review.
What Freedom Unlimited Rewards Can Become
- Points, not dollars: Chase tracks Cash Back rewards as points, and each $1 in Cash Back rewards equals 100 points. You may also see "points" or "Ultimate Rewards points" for them.
- No expiration: Points don't expire as long as your account remains open.
- Redemption options: Cash with no minimum (a statement credit or an electronic deposit into an eligible Chase account), gift cards, travel through Chase Travel, and shopping with points at Amazon.
- Combining: Per Chase's education pages, you can combine Ultimate Rewards points between your own Chase credit cards and with one household member who shares your address.
For what Ultimate Rewards points can do, see our Chase Ultimate Rewards guide, and for two Chase cards that use them, see our Sapphire Preferred and Sapphire Reserve comparison.
Who Each Card Fits
Savor Rewards fits
Someone whose spending is concentrated at grocery stores (not superstores), dining, entertainment and streaming, so more of it lands at the 3% rate. It also fits someone who uses the card outside the United States, since Capital One prints no foreign transaction fees.
Freedom Unlimited fits
Someone whose spending is more varied or falls outside Savor's categories, where Freedom Unlimited's rate on all other purchases applies more broadly, plus anyone who wants drugstore earnings, the longer intro APR, or points that combine with their own Chase cards.
For a look at Chase cards beyond the no-fee tier, see our Ink Business Preferred and Sapphire Reserve comparison.
TL;DR – Verdict
As of Oct 12, 2026, neither card wins for everyone. Both print a $0 annual fee and 3% on dining. Savor Rewards fits spending concentrated at grocery stores (excluding superstores), dining, entertainment and streaming, with no foreign transaction fee. Freedom Unlimited fits more varied spending at its rate on all other purchases, with 3% on drugstores and a 3% foreign transaction fee.
- Savor's intro APR runs 12 months; Freedom Unlimited's runs 15.
- Savor redeems as cash back with no expiration; Freedom Unlimited earns Ultimate Rewards points you can combine between your own Chase cards.
- Make sure you're looking at Savor Rewards, not SavorOne, which has different terms.
FAQ
Is Savor Rewards the same card as SavorOne?
No. Capital One's learn page describes SavorOne as a separate product for fair credit with a $39 annual fee and no bonus offer, while Savor Rewards is presented for excellent credit.
Does either card charge an annual fee?
No. Both print a $0 annual fee as of Oct 12, 2026.
Which card charges a foreign transaction fee?
Freedom Unlimited, at 3% per the Chase pricing and terms page. Savor Rewards prints no foreign transaction fees on purchases made outside of the United States.
Do Savor's grocery rewards apply at Walmart or Target?
No. The printed grocery category excludes superstores like Walmart and Target.
Who does each card fit?
Savor Rewards fits spending concentrated in its 3% categories: grocery stores, dining, entertainment and streaming. Freedom Unlimited fits more varied spending, where its rate on all other purchases applies more broadly.
Can Freedom Unlimited points be combined with other Chase cards?
Yes, between your own Chase credit cards and with one household member who shares your address, per Chase's education pages.
How long is each intro APR?
Savor Rewards prints 0% for 12 months on purchases and balance transfers; Freedom Unlimited prints 0% for the first 15 months.