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© Copyright 2026 CardRewards. All Rights Reserved.

About

Blog
Contact

Product

Documentation

Legal

Terms of Service
Privacy Policy
Cookie Policy
Accessibility

Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About

Blog
Contact

Product

Documentation

Legal

Terms of Service
Privacy Policy
Cookie Policy
Accessibility

Spark 1.5X Miles Select vs Chase Freedom Flex — Full Comparison (2026)

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Spark 1.5X Miles Select vs Chase Freedom Flex

Spark 1.5X Miles Select vs Chase Freedom Flex

A detailed side-by-side comparison to help you choose the right card for your spending.

Spark 1.5X Miles Select

Capital One

Chase Freedom Flex

Chase Freedom Flex

Chase

Annual Fee

$0

$0

Welcome Bonus

50,000 miles

200 Cash

Base Earn Rate

1.5X

1X

Top Earn Categories

5X Car Rentals Capital One

5X Hotels Capital One

5X Rotating Quarterly

5X Travel

3X Drugstores

Network

MASTERCARD

MASTERCARD

Key Benefits

None

✓Travel insurance

✓Purchase protection

Pros

—

+5% on rotating categories up to $1,500/quarter when activated
+3% on dining and drugstores with no annual cap
+5X on Chase Travel portal purchases
+$0 annual fee with Mastercard World Elite benefits
+Transfer points 1:1 to travel partners with Sapphire card

Cons

—

−Must activate quarterly categories or miss 5% bonus
−$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
−3% foreign transaction fee
−Points worth only 1 cent without Sapphire card pairing
−Welcome bonus lower than Sapphire cards

The Bottom Line

For everyday spending, the Spark 1.5X Miles Select earns more with its 1.5X base rate.

Explore More

Spark 1.5X Miles Select — Full Review All Capital One Cards

Chase Freedom Flex — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Home
/
Compare
/
Spark 1.5X Miles Select vs Chase Freedom Flex

Spark 1.5X Miles Select vs Chase Freedom Flex

A detailed side-by-side comparison to help you choose the right card for your spending.

Spark 1.5X Miles Select

Capital One

Chase Freedom Flex

Chase Freedom Flex

Chase

Annual Fee

$0

$0

Welcome Bonus

50,000 miles

200 Cash

Base Earn Rate

1.5X

1X

Top Earn Categories

5X Car Rentals Capital One

5X Hotels Capital One

5X Rotating Quarterly

5X Travel

3X Drugstores

Network

MASTERCARD

MASTERCARD

Key Benefits

None

✓Travel insurance

✓Purchase protection

Pros

—

+5% on rotating categories up to $1,500/quarter when activated
+3% on dining and drugstores with no annual cap
+5X on Chase Travel portal purchases
+$0 annual fee with Mastercard World Elite benefits
+Transfer points 1:1 to travel partners with Sapphire card

Cons

—

−Must activate quarterly categories or miss 5% bonus
−$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
−3% foreign transaction fee
−Points worth only 1 cent without Sapphire card pairing
−Welcome bonus lower than Sapphire cards

The Bottom Line

For everyday spending, the Spark 1.5X Miles Select earns more with its 1.5X base rate.

Explore More

Spark 1.5X Miles Select — Full Review All Capital One Cards

Chase Freedom Flex — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Home
/
Compare
/
Spark 1.5X Miles Select vs Chase Freedom Flex

Spark 1.5X Miles Select vs Chase Freedom Flex

A detailed side-by-side comparison to help you choose the right card for your spending.

Spark 1.5X Miles Select

Capital One

Chase Freedom Flex

Chase Freedom Flex

Chase

Annual Fee

$0

$0

Welcome Bonus

50,000 miles

200 Cash

Base Earn Rate

1.5X

1X

Top Earn Categories

5X Car Rentals Capital One

5X Hotels Capital One

5X Rotating Quarterly

5X Travel

3X Drugstores

Network

MASTERCARD

MASTERCARD

Key Benefits

None

✓Travel insurance

✓Purchase protection

Pros

—

+5% on rotating categories up to $1,500/quarter when activated
+3% on dining and drugstores with no annual cap
+5X on Chase Travel portal purchases
+$0 annual fee with Mastercard World Elite benefits
+Transfer points 1:1 to travel partners with Sapphire card

Cons

—

−Must activate quarterly categories or miss 5% bonus
−$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
−3% foreign transaction fee
−Points worth only 1 cent without Sapphire card pairing
−Welcome bonus lower than Sapphire cards

The Bottom Line

For everyday spending, the Spark 1.5X Miles Select earns more with its 1.5X base rate.

Explore More

Spark 1.5X Miles Select — Full Review All Capital One Cards

Chase Freedom Flex — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →