pointslip milestomorrow.com

Chase Instacart Mastercard vs Marriott Bonvoy Boundless

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. Marriott Bonvoy Boundless 1.5% 2x base rate
  2. Instacart Mastercard 1.0% 1% base rate

Dining

  1. Marriott Bonvoy Boundless 2.3% 3x
  2. Instacart Mastercard 2.0% 2%

Groceries

  1. Marriott Bonvoy Boundless 2.3% 3x
  2. Instacart Mastercard 1.0% 1% base rate

Gas

  1. Marriott Bonvoy Boundless 2.3% 3x
  2. Instacart Mastercard 2.0% 2%

Travel · portal

  1. Instacart Mastercard · Chase Travel 5.0% 5%

Hotels

  1. Marriott Bonvoy Boundless 4.5% 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 Instacart Mastercard $0 and Marriott Bonvoy Boundless $95 a year, so a thin lead in one category may not cover the difference.

Where they differ: Marriott Bonvoy Boundless takes everything else, dining, groceries and gas, plus 1 more. Instacart Mastercard wins nothing outright in this wallet.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseMarriott Bonvoy Boundless1.5%
DiningMarriott Bonvoy Boundless2.3%
GroceriesMarriott Bonvoy Boundless2.3%
GasMarriott Bonvoy Boundless2.3%
Travel · portalInstacart Mastercard · Chase Travel5.0%
HotelsMarriott Bonvoy Boundless4.5%

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. Marriott Bonvoy Boundless — 1.5%
  2. Instacart Mastercard — 1.0%

Dining

  1. Marriott Bonvoy Boundless — 2.3%
  2. Instacart Mastercard — 2.0%

Groceries

  1. Marriott Bonvoy Boundless — 2.3%
  2. Instacart Mastercard — 1.0%

Gas

  1. Marriott Bonvoy Boundless — 2.3%
  2. Instacart Mastercard — 2.0%

Travel · portal

  1. Instacart Mastercard · Chase Travel — 5.0%

Hotels

  1. Marriott Bonvoy Boundless — 4.5%
  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.