Which card earns more rewards, the Spark 1.5X Miles Select or Chase Freedom Flex?

The Spark 1.5X Miles Select has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Spark 1.5X Miles Select or the Chase Freedom Flex?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Spark 1.5X Miles Select or Chase Freedom Flex?

The Spark 1.5X Miles Select has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Spark 1.5X Miles Select or the Chase Freedom Flex?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Spark 1.5X Miles Select or Chase Freedom Flex?

The Spark 1.5X Miles Select has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Spark 1.5X Miles Select or the Chase Freedom Flex?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Spark 1.5X Miles Select vs Chase Freedom Flex

Both cards cost $0/yr. The Spark 1.5X Miles Select is better for car rentals capital one, while the Chase Freedom Flex wins on rotating quarterly. Here's how they compare.

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Fees & Welcome Offer

Annual Fee

Welcome Bonus

50,000 miles

200 Cash

Earn Rates

Category	Spark 1.5X Miles Select	Chase Freedom Flex
Rotating Quarterly	1.5X	5X
Drugstores	1.5X	3X
Everything Else	1.5X	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

✓Travel insurance

✓Purchase protection

Pros & Cons

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

Category-by-Category Winner

The Chase Freedom Flex wins in 2 of 3 categories. The Spark 1.5X Miles Select leads in 1.

Rotating Quarterly

Chase Freedom Flex earns 5X vs 1.5X

Drugstores

Chase Freedom Flex earns 3X vs 1.5X

Everyday purchases

Spark 1.5X Miles Select earns 1.5X on all other spending vs 1X

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Spark 1.5X Miles Select means losing:

-Purchase protection
-Travel insurance

Which Card Is Right for You?

Get the Spark 1.5X Miles Select if you:

+Prefer a high flat rate across all spending

The Bottom Line

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

Frequently Asked Questions

Which card earns more rewards, the Spark 1.5X Miles Select or Chase Freedom Flex?: The Spark 1.5X Miles Select has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Spark 1.5X Miles Select or the Chase Freedom Flex?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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 →

Official issuer pages: Capital One cards · Chase cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Spark 1.5X Miles Select vs Chase Freedom Flex

Both cards cost $0/yr. The Spark 1.5X Miles Select is better for car rentals capital one, while the Chase Freedom Flex wins on rotating quarterly. Here's how they compare.

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