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Chase IHG One Rewards Business Credit Card 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. IHG One Rewards Business Credit Card 1.8% 3x base rate
  2. Instacart Mastercard 1.0% 1% base rate

Dining

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Instacart Mastercard 2.0% 2%

Gas

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Instacart Mastercard 2.0% 2%

Travel

  1. IHG One Rewards Business Credit Card 3.0% 5x
  2. Instacart Mastercard 1.0% 1% base rate

Travel · portal

  1. Instacart Mastercard · Chase Travel 5.0% 5%

Advertising

  1. IHG One Rewards Business Credit Card 3.0% 5x
  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 IHG One Rewards Business Credit Card $200 and Instacart Mastercard $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: IHG One Rewards Business Credit Card takes everything else, dining, gas and travel, plus 1 more. Instacart Mastercard wins nothing outright in this wallet.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseIHG One Rewards Business Credit Card1.8%
DiningIHG One Rewards Business Credit Card3.0%
GasIHG One Rewards Business Credit Card3.0%
TravelIHG One Rewards Business Credit Card3.0%
Travel · portalInstacart Mastercard · Chase Travel5.0%
AdvertisingIHG One Rewards Business Credit Card3.0%

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. IHG One Rewards Business Credit Card — 1.8%
  2. Instacart Mastercard — 1.0%

Dining

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Instacart Mastercard — 2.0%

Gas

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Instacart Mastercard — 2.0%

Travel

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Instacart Mastercard — 1.0%

Travel · portal

  1. Instacart Mastercard · Chase Travel — 5.0%

Advertising

  1. IHG One Rewards Business Credit Card — 3.0%
  2. Instacart Mastercard — 1.0%
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