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Chase Freedom Flex 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. Freedom Flex 1.0% 1% base rate
  2. Instacart Mastercard 1.0% 1% base rate

Dining

  1. Freedom Flex 7.0% 7%: 3% plus the rotating bonus this quarter
  2. Instacart Mastercard 2.0% 2%

Groceries

  1. Freedom Flex 5.0% 5%, rotating this quarter
  2. Instacart Mastercard 1.0% 1% base rate

Gas

  1. Instacart Mastercard 2.0% 2%
  2. Freedom Flex 1.0% 1% base rate

Travel · portal

  1. Freedom Flex · Chase Travel 5.0% 5%
  2. Instacart Mastercard · Chase Travel 5.0% 5%

Drugstores

  1. Freedom Flex 3.0% 3%
  2. Instacart Mastercard 1.0% 1% base rate

Lyft

  1. Freedom Flex 2.0% 2%
  2. Instacart Mastercard 1.0% 1% base rate

What the numbers are doing

Freedom Flex wins dining at 7% because the rotating calendar is on it this quarter, stacked on the card's own 3%. The quarter ends December 31, 2026; after it the card earns 3% there, and no later quarter in the published calendar brings it back.

Where they differ: Freedom Flex takes dining, groceries, drugstores and lyft; Instacart Mastercard takes gas.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseFreedom Flex1.0%
DiningFreedom Flex7.0%
GroceriesFreedom Flex5.0%
GasInstacart Mastercard2.0%
Travel · portalFreedom Flex · Chase Travel5.0%
DrugstoresFreedom Flex3.0%
LyftFreedom Flex2.0%

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. Freedom Flex — 1.0%
  2. Instacart Mastercard — 1.0%

Dining

  1. Freedom Flex — 7.0%
  2. Instacart Mastercard — 2.0%

Groceries

  1. Freedom Flex — 5.0%
  2. Instacart Mastercard — 1.0%

Gas

  1. Instacart Mastercard — 2.0%
  2. Freedom Flex — 1.0%

Travel · portal

  1. Freedom Flex · Chase Travel — 5.0%
  2. Instacart Mastercard · Chase Travel — 5.0%

Drugstores

  1. Freedom Flex — 3.0%
  2. Instacart Mastercard — 1.0%

Lyft

  1. Freedom Flex — 2.0%
  2. Instacart Mastercard — 1.0%
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