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

Dining

  1. IHG One Rewards Premier Select Credit Card 3.6% 6x
  2. Instacart Mastercard 2.0% 2%

Gas

  1. Instacart Mastercard 2.0% 2%
  2. IHG One Rewards Premier Select Credit Card 1.8% 3x base rate

Travel

  1. IHG One Rewards Premier Select Credit Card 3.6% 6x
  2. Instacart Mastercard 1.0% 1% base rate

Travel · portal

  1. Instacart Mastercard · Chase Travel 5.0% 5%

Rideshare & taxis

  1. IHG One Rewards Premier Select Credit Card 3.6% 6x
  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 Premier Select Credit Card $350 and Instacart Mastercard $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: IHG One Rewards Premier Select Credit Card takes everything else, dining, travel and rideshare & taxis; Instacart Mastercard takes gas.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseIHG One Rewards Premier Select Credit Card1.8%
DiningIHG One Rewards Premier Select Credit Card3.6%
GasInstacart Mastercard2.0%
TravelIHG One Rewards Premier Select Credit Card3.6%
Travel · portalInstacart Mastercard · Chase Travel5.0%
Rideshare & taxisIHG One Rewards Premier Select Credit Card3.6%

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 Premier Select Credit Card — 1.8%
  2. Instacart Mastercard — 1.0%

Dining

  1. IHG One Rewards Premier Select Credit Card — 3.6%
  2. Instacart Mastercard — 2.0%

Gas

  1. Instacart Mastercard — 2.0%
  2. IHG One Rewards Premier Select Credit Card — 1.8%

Travel

  1. IHG One Rewards Premier Select Credit Card — 3.6%
  2. Instacart Mastercard — 1.0%

Travel · portal

  1. Instacart Mastercard · Chase Travel — 5.0%

Rideshare & taxis

  1. IHG One Rewards Premier Select Credit Card — 3.6%
  2. Instacart Mastercard — 1.0%
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