Chase Instacart Mastercard vs United Gateway Card
Both are Chase cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- United Gateway Card 1.2% 1x base rate
- Instacart Mastercard 1.0% 1% base rate
Dining
- Instacart Mastercard 2.0% 2%
- United Gateway Card 1.2% 1x base rate
Gas
- United Gateway Card 2.4% 2x
- Instacart Mastercard 2.0% 2%
Travel · portal
- Instacart Mastercard · Chase Travel 5.0% 5%
Public transit
- United Gateway Card 2.4% 2x
- Instacart Mastercard 1.0% 1% base rate
Rideshare & taxis
- United Gateway Card 2.4% 2x
- Instacart Mastercard 1.0% 1% base rate
Tolls
- United Gateway Card 2.4% 2x
- Instacart Mastercard 1.0% 1% base rate
What the numbers are doing
United Gateway 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.
Where they differ: United Gateway Card takes everything else, gas, public transit and rideshare & taxis, plus 1 more; Instacart Mastercard takes dining.
| Category | Best card |
|---|---|
| Everything else | United Gateway Card1.2% |
| Dining | Instacart Mastercard2.0% |
| Gas | United Gateway Card2.4% |
| Travel · portal | Instacart Mastercard · Chase Travel5.0% |
| Public transit | United Gateway Card2.4% |
| Rideshare & taxis | United Gateway Card2.4% |
| Tolls | United Gateway 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
- United Gateway Card — 1.2%
- Instacart Mastercard — 1.0%
Dining
- Instacart Mastercard — 2.0%
- United Gateway Card — 1.2%
Gas
- United Gateway Card — 2.4%
- Instacart Mastercard — 2.0%
Travel · portal
- Instacart Mastercard · Chase Travel — 5.0%
Public transit
- United Gateway Card — 2.4%
- Instacart Mastercard — 1.0%
Rideshare & taxis
- United Gateway Card — 2.4%
- Instacart Mastercard — 1.0%
Tolls
- United Gateway Card — 2.4%
- Instacart Mastercard — 1.0%
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