Home › Credit cards › Compare › Chase Freedom Flex vs Capital One Savor

Chase Freedom Flex vs Capital One Savor

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Chase Freedom Flex leads by 3.4 pts. Scores: Chase Freedom Flex 77.3%, Capital One Savor 73.9%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Chase Freedom Flex nets $302/yr, Capital One Savor nets $430/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeFlex: 10.0 · Savor: 10.0
Rewards rateFlex: 6.0 · Savor: 6.0
Sign-up bonusFlex: 3.3 · Savor: 2.7
Intro 0% APRFlex: 7.1 · Savor: 5.7
Regular APRFlex: 7.7 · Savor: 7.3
Foreign transaction feeFlex: 10.0 · Savor: 10.0
Regulatory record (CFPB)Flex: 10.0 · Savor: 10.0

Chase Freedom Flex

IssuerChase
Typecash back
Annual fee$0 creditcards.chase.com, 2026-10-11
Regular purchase APR18.49%–27.99% variable creditcards.chase.com, 2026-10-11
Rewards5% rotating quarterly categories (up to $1,500, activation); 5% Chase Travel; 3% dining & drugstores; 1% other creditcards.chase.com, 2026-10-11
Sign-up bonus (≈$)$250 $250 after $500 in 3 months (limited-time) creditcards.chase.com, 2026-10-11
Intro APR15 months 0% intro APR 15 months on purchases and balance transfers creditcards.chase.com, 2026-10-11
Foreign transaction feenone Issuer page (2026-10-11) shows 0%; CFPB TCCP (2025-12-31) listed 3%. Newer issuer figure used. creditcards.chase.com, 2026-10-11
Penalty APRup to 29.99% Chase's CFPB-filed agreements list a penalty APR of 'up to 29.99%'; agreements are not labeled by product, so this is issuer-level consumerfinance.gov, 2026-06-30
Late feeup to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer fee5% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit needed620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period21 days files.consumerfinance.gov, 2025-12-31
Cash advance APR28.49% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)18.24%–27.74% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Capital One Savor

IssuerCapital One
Typecash back
Annual fee$0 capitalone.com, 2026-10-11
Regular purchase APR18.74%–28.74% variable capitalone.com, 2026-10-11
Rewards3% dining, entertainment, streaming, grocery; 5% Capital One Travel hotels/rentals; 1% other capitalone.com, 2026-10-11
Sign-up bonus (≈$)$200 $200 after $500 in 3 months capitalone.com, 2026-10-11
Intro APR12 months 0% intro APR 12 months on purchases and balance transfers capitalone.com, 2026-10-11
Foreign transaction feenone capitalone.com, 2026-10-11
Penalty APRnone No penalty APR appears in the issuer's CFPB-filed agreement (only penalty fees are listed) consumerfinance.gov, 2026-06-30
Late feeup to $40 up to; Up to $29.00 for first late fee. files.consumerfinance.gov, 2025-12-31
Balance transfer fee3% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit neededExcellent capitalone.com, 2026-10-11
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.24% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)18.74%–29.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Downsides

Chase Freedom Flex77.3%
Chase · cash back
Annual fee $0APR 18.49%–27.99% variableRewards 5% rotating quarterly categories (up to $1,500, activation); 5% Chase Travel; 3% dining & drugstores; 1% otherCredit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ APR up to 27.99% if you carry a balance · Penalty APR up to 29.99% · Late fee up to $40
Capital One Savor73.9%
Capital One · cash back
Annual fee $0APR 18.74%–28.74% variableRewards 3% dining, entertainment, streaming, grocery; 5% Capital One Travel hotels/rentals; 1% otherCredit Excellent
⚠ APR up to 28.74% if you carry a balance · Late fee up to $40 · Grocery 3% excludes superstores like Walmart/Target per issuer terms.

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Chase Freedom Flex or Capital One Savor?

On VaultRubric's rubric: Chase Freedom Flex scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.