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CardCurator — Rewards Intelligence
Card Comparison

Chase Freedom Flex vs Choice Privileges Mastercard

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Chase Freedom Flex card art
Chase Ultimate Rewards
Chase Freedom Flex
Chase
More Info
Choice Privileges Mastercard card art
Choice Privileges
Choice Privileges Mastercard
Wells Fargo
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
3%
Signup Bonus
20,000 points
Spend $500 in 3 months
60,000 points
Spend $4,000 in 3 months
Top Earn Rates
  • Chase Travel 5x
  • Rotating Categories 5x
  • Dining 3x
  • Choice Hotels® properties19 plus on Choice Privileges point purchases 5x
  • gas stations, grocery stores, home improvement stores and phone plan services 3x
  • All Other Purchases 1x
Reward Type
miles
miles
Key Credits
None
None
Transfer Partners
  • Virgin Atlantic Flying Club
  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Flying Blue
  • +9 more
No transfer partners
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Common Questions: Chase Freedom Flex vs Choice Privileges Mastercard

Is the Chase Freedom Flex or Choice Privileges Mastercard better for dining?

Chase Freedom Flex earns 3x on dining; Choice Privileges Mastercard has no dining bonus.

Which has the higher signup bonus in 2026?

Chase Freedom Flex currently offers 20,000 pts signup bonus (spend $500 in 3 months). Choice Privileges Mastercard offers 60,000 pts signup bonus (spend $4,000 in 3 months). Chase Freedom Flex has the larger bonus.

Which card is better for international travel?

Chase Freedom Flex charges no foreign transaction fees — the better pick for international use. Choice Privileges Mastercard charges 3% on foreign purchases.

Can I hold both the Chase Freedom Flex and the Choice Privileges Mastercard?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Chase Freedom Flex is from Chase and Choice Privileges Mastercard is from Wells Fargo, so they're governed by separate bank policies.