BonusCeilingCapital One Savor vs Chase Freedom Unlimited: sign-up bonus comparison (Oct 2026)
Capital One Savor: $200 after $500 spend in 3 months ($0 annual fee). Chase Freedom Unlimited: $200 after $500 spend in 3 months ($0 annual fee). Both need the same spend. Chase Freedom Unlimited is closer to its all-time high right now (67% of its all-time high (not elevated right now)). Data checked 2026-10-16; the right pick depends on which rewards you'll use and whether you can meet the spend with normal purchases.
By TK · Updated
| Capital One Savor | Chase Freedom Unlimited | |
|---|---|---|
| Issuer | Capital One | Chase |
| Type | Personal | Personal |
| Current offer | $200 after $500 spend in 3 months | $200 after $500 spend in 3 months |
| Minimum spend | $500 in 3 months | $500 in 3 months |
| Annual fee | $0 | $0 |
| Earns | cash back | cash back (Ultimate Rewards points) |
| All-time high | Unknown (not verified) | $300 after $500 (Dec 2025-Jan 2026) per Upgraded Points; past offers also added bonus categories |
| vs. record | History unknown | 67% of record |
| Issuer rules | None verified | Chase 5/24 |
| Verified | Yes, 2026-10-16 | Yes, 2026-10-16 |
| Apply | Capital One site | Chase site |
Frequently asked questions
Which has the bigger bonus, Capital One Savor or Chase Freedom Unlimited?
Capital One Savor: $200 after $500 spend in 3 months. Chase Freedom Unlimited: $200 after $500 spend in 3 months. They earn different currencies (cash back vs cash back (Ultimate Rewards points)), so compare by how you'd redeem them.
Which bonus is easier to earn?
They require the same spend.
Can I get both?
Possibly, if you meet each issuer's rules: Capital One Savor: no verified rule; Chase Freedom Unlimited: Chase 5/24.