Chase Freedom Unlimited® vs Capital One Spark Cash Select
Side-by-side comparison
| Chase Freedom Unlimited® | Capital One Spark Cash Select | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $200 cash bonus | $750 cash back |
| Advertising | 1.5% | 1.5% |
| Shipping | 1.5% | 1.5% |
| Office supplies | 1.5% | 1.5% |
| Phone & internet | 1.5% | 1.5% |
| Travel | 1.5% | 1.5% |
| Everything else | 1.5% | 1.5% |
| Est. yearly rewards* | $711 | $675 |
| Points type | Pools with Chase → transferable | Pools with Capital One → transferable |
| Network | Visa | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Chase Freedom Unlimited® earns about $711 a year in rewards and the Capital One Spark Cash Select about $675, valuing every point at a flat 1 cent. The Chase Freedom Unlimited® has no annual fee, so its rewards are all profit. The Capital One Spark Cash Select has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Chase Freedom Unlimited® delivers more total value, about $36 a year more for a typical spender. Both earn points that only unlock airline and hotel transfers once you pair them with a premium card in the same family, so it comes down to which ecosystem you are building: Chase for the Chase Freedom Unlimited®, Capital One for the Capital One Spark Cash Select. On the sign-up bonus, the Capital One Spark Cash Select currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.