Editorial take: Capital One Savor
If you care about dining and groceries, this is one of the best no-fee cards available. 3% on four of your biggest categories with zero annual cost is hard to beat.
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Side-by-side
Capital One Savor vs Chase Freedom Flex
Both are cashback travel cards. The Capital One Savor comes from Capital One at $0/yr; the Chase Freedom Flex from Chase at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Capital One Savor | Chase Freedom Flex |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $250 cash back | $200 cash back |
| Bonus value (est.) | $250 | $200 |
| Min spend to unlock bonus | $500 in 3 mo | $500 in 3 mo |
| Issuer | Capital One | Chase |
| Card category | cashback | cashback |
| Best earning category (Dining) | 3x | 3x |
| Transfer partners | None | chase-ur |
| Headline benefits |
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Read the full review
Capital One Savor
$0/yr · $250 cash back
Read the full review
Chase Freedom Flex
$0/yr · $200 cash back
Editorial take: Chase Freedom Flex
Worth it only if you'll actually activate the rotating 5% categories every quarter. If you won't, the Freedom Unlimited earns more on everyday spend with zero effort.
Common questions
- Which card has the bigger sign-up bonus, Capital One Savor or Chase Freedom Flex?
- The Capital One Savor has the bigger bonus, $250 cash back, worth roughly $250, versus $200 cash back (~$200) on the Chase Freedom Flex.
- Is the Capital One Savor's $0 annual fee worth it compared to the Chase Freedom Flex?
- The Capital One Savor has no annual fee, so the question is whether the Chase Freedom Flex's $0 fee is justified by its perks. If you'll use enough of the Chase Freedom Flex's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Capital One Savor.
- Can I have both the Capital One Savor and Chase Freedom Flex?
- Yes, since they're from different issuers (Capital One and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Capital One Savor or the Chase Freedom Flex first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Savor: $500 spend in 3 months. Chase Freedom Flex: $500 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.