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Chase Instacart Mastercard vs Marriott Bonvoy Bountiful

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 Bountiful 1.5% 2x base rate
  2. Instacart Mastercard 1.0% 1% base rate

Dining

  1. Marriott Bonvoy Bountiful 3.0% 4x
  2. Instacart Mastercard 2.0% 2%

Groceries

  1. Marriott Bonvoy Bountiful 3.0% 4x
  2. Instacart Mastercard 1.0% 1% base rate

Gas

  1. Instacart Mastercard 2.0% 2%
  2. Marriott Bonvoy Bountiful 1.5% 2x base rate

Travel · portal

  1. Instacart Mastercard · Chase Travel 5.0% 5%

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 Bountiful $250 a year, so a thin lead in one category may not cover the difference.

Where they differ: Marriott Bonvoy Bountiful takes everything else, dining and groceries; Instacart Mastercard takes gas.

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Pass content preview
CategoryBest card
Everything elseMarriott Bonvoy Bountiful1.5%
DiningMarriott Bonvoy Bountiful3.0%
GroceriesMarriott Bonvoy Bountiful3.0%
GasInstacart Mastercard2.0%
Travel · portalInstacart Mastercard · Chase Travel5.0%

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

Dining

  1. Marriott Bonvoy Bountiful — 3.0%
  2. Instacart Mastercard — 2.0%

Groceries

  1. Marriott Bonvoy Bountiful — 3.0%
  2. Instacart Mastercard — 1.0%

Gas

  1. Instacart Mastercard — 2.0%
  2. Marriott Bonvoy Bountiful — 1.5%

Travel · portal

  1. Instacart Mastercard · Chase Travel — 5.0%
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