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Chase Instacart Mastercard vs United Quest 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 Quest Card 1.2% 1x base rate
  2. Instacart Mastercard 1.0% 1% base rate

Dining

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

Gas

  1. Instacart Mastercard 2.0% 2%
  2. United Quest Card 1.2% 1x base rate

Travel

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

Travel · portal

  1. Instacart Mastercard · Chase Travel 5.0% 5%

Streaming

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

Flights

  1. United Quest Card 4.8% 4x
  2. Instacart Mastercard 1.0% 1% base rate

Hotels · portal

  1. United Quest Card · Renowned Hotels for United Cardmembers 6.0% 5x
  2. Instacart Mastercard · Chase Travel 5.0% 5%

What the numbers are doing

United Quest 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 Quest Card $350 a year, so a thin lead in one category may not cover the difference.

Where they differ: United Quest Card takes everything else, dining, travel and streaming, plus 1 more; Instacart Mastercard takes gas.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseUnited Quest Card1.2%
DiningUnited Quest Card2.4%
GasInstacart Mastercard2.0%
TravelUnited Quest Card2.4%
Travel · portalInstacart Mastercard · Chase Travel5.0%
StreamingUnited Quest Card2.4%
FlightsUnited Quest Card4.8%
Hotels · portalUnited Quest Card · Renowned Hotels for United Cardmembers6.0%

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

Dining

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

Gas

  1. Instacart Mastercard — 2.0%
  2. United Quest Card — 1.2%

Travel

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

Travel · portal

  1. Instacart Mastercard · Chase Travel — 5.0%

Streaming

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

Flights

  1. United Quest Card — 4.8%
  2. Instacart Mastercard — 1.0%

Hotels · portal

  1. United Quest Card · Renowned Hotels for United Cardmembers — 6.0%
  2. Instacart Mastercard · Chase Travel — 5.0%
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