Chase Instacart Mastercard vs United Club Business Card
Both are Chase cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- United Club Business Card 1.8% 1.5x base rate
- Instacart Mastercard 1.0% 1% base rate
Dining
- Instacart Mastercard 2.0% 2%
- United Club Business Card 1.8% 1.5x base rate
Gas
- Instacart Mastercard 2.0% 2%
- United Club Business Card 1.8% 1.5x base rate
Travel · portal
- 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 United Club Business Card $695 a year, so a thin lead in one category may not cover the difference.
Where they differ: United Club Business Card takes everything else; Instacart Mastercard takes dining and gas.
| Category | Best card |
|---|---|
| Everything else | United Club Business Card1.8% |
| Dining | Instacart Mastercard2.0% |
| Gas | Instacart Mastercard2.0% |
| Travel · portal | Instacart 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
- United Club Business Card — 1.8%
- Instacart Mastercard — 1.0%
Dining
- Instacart Mastercard — 2.0%
- United Club Business Card — 1.8%
Gas
- Instacart Mastercard — 2.0%
- United Club Business Card — 1.8%
Travel · portal
- Instacart Mastercard · Chase Travel — 5.0%
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