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: Capital One Savor leads by 4.9 pts. Scores: Chase Freedom Unlimited 69.0%, 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 Unlimited nets $400/yr, Capital One Savor nets $430/yr after annual fees. Use your own numbers →
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
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 Unlimited or Capital One Savor?
On VaultRubric's rubric: Capital One Savor 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.