What it really costs
The sticker fee is what the card charges. The effective annual fee is what it costs — after the statement credits you would actually use.
Answer once per credit, on both cards
Nobody uses every credit. Pick a category, see both cards side by side, and mark what you would use — the effective annual fee above recomputes against your answers, not the issuer's best case.
No tracked statement credits for Freedom Unlimited or Savor Rewards.
Rates normalised to cents of value per dollar spent, so different point currencies compare. Useful once you hold the card; it is not what decides whether the fee is worth paying.
| Freedom Unlimited | Savor Rewards | |
|---|---|---|
| Dining & restaurants | 3× Dining & drugstores / Dining | 3× Dining |
| Groceries | — | 3× Grocery Stores |
| Streaming | — | 3× Streaming Services |
| Drugstores | 3× Dining & drugstores / Drugstores | — |
| Entertainment | — | 3× Entertainment |
| Flights via issuer portal | 5× Chase Travel bookings / All Travel (Ultimate Rewards) | — |
| Hotels & cars via issuer portal | 5× Chase Travel bookings / All Travel (Ultimate Rewards) | 5× Car Rentals (Capital One) / Hotels (Capital One) |
| Entertainment via issuer portal | — | 8× Entertainment (Capital One) |
| Everything else | 1.5× Everything else | 1× Everything else |
See the full list of every perk and unique access for your card
Statement credits are just the start; explore the full suite of VIP access, elite hotel status, and hidden protections included with your card.
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It can take up to 10 days for your new card to arrive, but your perks start now. We'll build your wallet dashboard instantly, surfacing hidden enrollment requirements and reset deadlines so you can begin earning from day one.
No account, no bank connection, no card numbers.
Your answers above carry over — nothing to re-enter.
How we verify our data
Figures come from our card database and can lag issuer changes — always verify against the issuer's current terms.
- Solid borders: Verified issuer terms.
- Dashed borders: Estimated, pending final issuer sync.