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Chase Aer Lingus Visa Signature vs Instacart Mastercard

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Aer Lingus Visa Signature 1.4% 1x base rate
  2. Instacart Mastercard 1.0% 1% base rate

Dining

  1. Instacart Mastercard 2.0% 2%
  2. Aer Lingus Visa Signature 1.4% 1x base rate

Gas

  1. Instacart Mastercard 2.0% 2%
  2. Aer Lingus Visa Signature 1.4% 1x base rate

Travel · portal

  1. Instacart Mastercard · Chase Travel 5.0% 5%

Hotels

  1. Aer Lingus Visa Signature 2.8% 2x
  2. Instacart Mastercard 1.0% 1% base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Aer Lingus Visa Signature $95 and Instacart Mastercard $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: Aer Lingus Visa Signature takes everything else and hotels; Instacart Mastercard takes dining and gas.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseAer Lingus Visa Signature1.4%
DiningInstacart Mastercard2.0%
GasInstacart Mastercard2.0%
Travel · portalInstacart Mastercard · Chase Travel5.0%
HotelsAer Lingus Visa Signature2.8%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Aer Lingus Visa Signature — 1.4%
  2. Instacart Mastercard — 1.0%

Dining

  1. Instacart Mastercard — 2.0%
  2. Aer Lingus Visa Signature — 1.4%

Gas

  1. Instacart Mastercard — 2.0%
  2. Aer Lingus Visa Signature — 1.4%

Travel · portal

  1. Instacart Mastercard · Chase Travel — 5.0%

Hotels

  1. Aer Lingus Visa Signature — 2.8%
  2. Instacart Mastercard — 1.0%
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