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Chase Iberia 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. Iberia Visa Signature 1.4% 1x base rate
  2. Instacart Mastercard 1.0% 1% base rate

Dining

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

Gas

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

Travel · portal

  1. Instacart Mastercard · Chase Travel 5.0% 5%

Hotels

  1. Iberia 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 Iberia Visa Signature $95 and Instacart Mastercard $0 a year, so a thin lead in one category may not cover the difference.

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

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseIberia Visa Signature1.4%
DiningInstacart Mastercard2.0%
GasInstacart Mastercard2.0%
Travel · portalInstacart Mastercard · Chase Travel5.0%
HotelsIberia 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. Iberia Visa Signature — 1.4%
  2. Instacart Mastercard — 1.0%

Dining

  1. Instacart Mastercard — 2.0%
  2. Iberia Visa Signature — 1.4%

Gas

  1. Instacart Mastercard — 2.0%
  2. Iberia Visa Signature — 1.4%

Travel · portal

  1. Instacart Mastercard · Chase Travel — 5.0%

Hotels

  1. Iberia Visa Signature — 2.8%
  2. Instacart Mastercard — 1.0%
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