pointslip milestomorrow.com

Chase Ink Business Unlimited 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. Ink Business Unlimited 1.5% 1.5% base rate
  2. Instacart Mastercard 1.0% 1% base rate

Dining

  1. Instacart Mastercard 2.0% 2%
  2. Ink Business Unlimited 1.5% 1.5% base rate

Gas

  1. Instacart Mastercard 2.0% 2%
  2. Ink Business Unlimited 1.5% 1.5% base rate

Travel · portal

  1. Instacart Mastercard · Chase Travel 5.0% 5%

Lyft

  1. Ink Business Unlimited 5.0% 5%
  2. Instacart Mastercard 1.0% 1% base rate

What the numbers are doing

Abroad the answer flips: Ink Business Unlimited charges a 3% foreign transaction fee, so once that comes off the rate Instacart Mastercard is the better card for everyday spend.

Where they differ: Ink Business Unlimited takes everything else and lyft; Instacart Mastercard takes dining and gas.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseInk Business Unlimited1.5%
DiningInstacart Mastercard2.0%
GasInstacart Mastercard2.0%
Travel · portalInstacart Mastercard · Chase Travel5.0%
LyftInk Business Unlimited5.0%

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. Ink Business Unlimited — 1.5%
  2. Instacart Mastercard — 1.0%

Dining

  1. Instacart Mastercard — 2.0%
  2. Ink Business Unlimited — 1.5%

Gas

  1. Instacart Mastercard — 2.0%
  2. Ink Business Unlimited — 1.5%

Travel · portal

  1. Instacart Mastercard · Chase Travel — 5.0%

Lyft

  1. Ink Business Unlimited — 5.0%
  2. Instacart Mastercard — 1.0%
Add to Apple Wallet

This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.

iPhone app · not yet released

Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.

Open this ranking in the generator

A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.