Chase Ink Business Preferred vs Instacart Mastercard
Both are Chase cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Ink Business Preferred 2.1% 1x base rate
- Instacart Mastercard 1.0% 1% base rate
Travel · portal
- Instacart Mastercard · Chase Travel 5.0% 5%
Phone & internet
- Ink Business Preferred 6.2% 3x
- Instacart Mastercard 1.0% 1% base rate
Shipping
- Ink Business Preferred 6.2% 3x
- Instacart Mastercard 1.0% 1% base rate
Advertising
- Ink Business Preferred 6.2% 3x
- Instacart Mastercard 1.0% 1% base rate
Flights
- Ink Business Preferred 6.2% 3x
- Instacart Mastercard 1.0% 1% base rate
Hotels
- Ink Business Preferred 6.2% 3x
- Instacart Mastercard 1.0% 1% base rate
Lyft
- Ink Business Preferred 10.3% 5x
- 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 Ink Business Preferred $95 and Instacart Mastercard $0 a year, so a thin lead in one category may not cover the difference.
Where they differ: Ink Business Preferred takes everything else, phone & internet, shipping and advertising, plus 3 more. Instacart Mastercard wins nothing outright in this wallet.
| Category | Best card |
|---|---|
| Everything else | Ink Business Preferred2.1% |
| Travel · portal | Instacart Mastercard · Chase Travel5.0% |
| Phone & internet | Ink Business Preferred6.2% |
| Shipping | Ink Business Preferred6.2% |
| Advertising | Ink Business Preferred6.2% |
| Flights | Ink Business Preferred6.2% |
| Hotels | Ink Business Preferred6.2% |
| Lyft | Ink Business Preferred10.3% |
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
- Ink Business Preferred — 2.1%
- Instacart Mastercard — 1.0%
Travel · portal
- Instacart Mastercard · Chase Travel — 5.0%
Phone & internet
- Ink Business Preferred — 6.2%
- Instacart Mastercard — 1.0%
Shipping
- Ink Business Preferred — 6.2%
- Instacart Mastercard — 1.0%
Advertising
- Ink Business Preferred — 6.2%
- Instacart Mastercard — 1.0%
Flights
- Ink Business Preferred — 6.2%
- Instacart Mastercard — 1.0%
Hotels
- Ink Business Preferred — 6.2%
- Instacart Mastercard — 1.0%
Lyft
- Ink Business Preferred — 10.3%
- Instacart Mastercard — 1.0%
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