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Chase Instacart Mastercard vs Sapphire Preferred

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. Sapphire Preferred 2.1% 1x base rate
  2. Instacart Mastercard 1.0% 1% base rate

Dining

  1. Sapphire Preferred 6.2% 3x
  2. Instacart Mastercard 2.0% 2%

Gas

  1. Sapphire Preferred 6.2% 3x
  2. Instacart Mastercard 2.0% 2%

Travel

  1. Sapphire Preferred 4.1% 2x
  2. Instacart Mastercard 1.0% 1% base rate

Travel · portal

  1. Sapphire Preferred · Chase Travel 10.3% 5x
  2. Instacart Mastercard · Chase Travel 5.0% 5%

Streaming

  1. Sapphire Preferred 6.2% 3x
  2. Instacart Mastercard 1.0% 1% base rate

Online grocery

  1. Sapphire Preferred 6.2% 3x
  2. Instacart Mastercard 1.0% 1% base rate

Rideshare & taxis

  1. Sapphire Preferred 4.1% 2x
  2. Instacart Mastercard 1.0% 1% base rate

Peloton

  1. Sapphire Preferred 10.3% 5x
  2. Instacart Mastercard 1.0% 1% base rate

Lyft

  1. Sapphire Preferred 10.3% 5x
  2. Instacart Mastercard 1.0% 1% base rate

What the numbers are doing

Sapphire Preferred tops everything else at 2.1% only because this table values its points at 2.05 cents each. Value them at one cent and Instacart Mastercard wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Instacart Mastercard $0 and Sapphire Preferred $95 a year, so a thin lead in one category may not cover the difference.

Where they differ: Sapphire Preferred takes everything else, dining, gas and travel, plus 5 more. Instacart Mastercard wins nothing outright in this wallet.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSapphire Preferred2.1%
DiningSapphire Preferred6.2%
GasSapphire Preferred6.2%
TravelSapphire Preferred4.1%
Travel · portalSapphire Preferred · Chase Travel10.3%
StreamingSapphire Preferred6.2%
Online grocerySapphire Preferred6.2%
Rideshare & taxisSapphire Preferred4.1%
PelotonSapphire Preferred10.3%
LyftSapphire 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

  1. Sapphire Preferred — 2.1%
  2. Instacart Mastercard — 1.0%

Dining

  1. Sapphire Preferred — 6.2%
  2. Instacart Mastercard — 2.0%

Gas

  1. Sapphire Preferred — 6.2%
  2. Instacart Mastercard — 2.0%

Travel

  1. Sapphire Preferred — 4.1%
  2. Instacart Mastercard — 1.0%

Travel · portal

  1. Sapphire Preferred · Chase Travel — 10.3%
  2. Instacart Mastercard · Chase Travel — 5.0%

Streaming

  1. Sapphire Preferred — 6.2%
  2. Instacart Mastercard — 1.0%

Online grocery

  1. Sapphire Preferred — 6.2%
  2. Instacart Mastercard — 1.0%

Rideshare & taxis

  1. Sapphire Preferred — 4.1%
  2. Instacart Mastercard — 1.0%

Peloton

  1. Sapphire Preferred — 10.3%
  2. Instacart Mastercard — 1.0%

Lyft

  1. Sapphire Preferred — 10.3%
  2. Instacart Mastercard — 1.0%
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