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Chase Instacart Mastercard vs United Business Card

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. United Business Card 1.2% 1x base rate
  2. Instacart Mastercard 1.0% 1% base rate

Dining

  1. United Business Card 2.4% 2x
  2. Instacart Mastercard 2.0% 2%

Gas

  1. United Business Card 2.4% 2x
  2. Instacart Mastercard 2.0% 2%

Travel · portal

  1. Instacart Mastercard · Chase Travel 5.0% 5%

Public transit

  1. United Business Card 2.4% 2x
  2. Instacart Mastercard 1.0% 1% base rate

Rideshare & taxis

  1. United Business Card 2.4% 2x
  2. Instacart Mastercard 1.0% 1% base rate

Tolls

  1. United Business Card 2.4% 2x
  2. Instacart Mastercard 1.0% 1% base rate

What the numbers are doing

United Business Card tops everything else at 1.2% only because this table values its points at 1.2 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 United Business Card $150 a year, so a thin lead in one category may not cover the difference.

Where they differ: United Business Card takes everything else, dining, gas and public transit, plus 2 more. Instacart Mastercard wins nothing outright in this wallet.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseUnited Business Card1.2%
DiningUnited Business Card2.4%
GasUnited Business Card2.4%
Travel · portalInstacart Mastercard · Chase Travel5.0%
Public transitUnited Business Card2.4%
Rideshare & taxisUnited Business Card2.4%
TollsUnited Business Card2.4%

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. United Business Card — 1.2%
  2. Instacart Mastercard — 1.0%

Dining

  1. United Business Card — 2.4%
  2. Instacart Mastercard — 2.0%

Gas

  1. United Business Card — 2.4%
  2. Instacart Mastercard — 2.0%

Travel · portal

  1. Instacart Mastercard · Chase Travel — 5.0%

Public transit

  1. United Business Card — 2.4%
  2. Instacart Mastercard — 1.0%

Rideshare & taxis

  1. United Business Card — 2.4%
  2. Instacart Mastercard — 1.0%

Tolls

  1. United Business Card — 2.4%
  2. Instacart Mastercard — 1.0%
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