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Chase Instacart Mastercard vs World of Hyatt Credit 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. World of Hyatt Credit Card 1.7% 1x base rate
  2. Instacart Mastercard 1.0% 1% base rate

Dining

  1. World of Hyatt Credit Card 3.3% 2x
  2. Instacart Mastercard 2.0% 2%

Gas

  1. Instacart Mastercard 2.0% 2%
  2. World of Hyatt Credit Card 1.7% 1x base rate

Travel · portal

  1. Instacart Mastercard · Chase Travel 5.0% 5%

Ground transportation

  1. World of Hyatt Credit Card 3.3% 2x
  2. Instacart Mastercard 1.0% 1% base rate

Gyms

  1. World of Hyatt Credit Card 3.3% 2x
  2. Instacart Mastercard 1.0% 1% base rate

Flights

  1. World of Hyatt Credit Card 3.3% 2x
  2. Instacart Mastercard 1.0% 1% base rate

Hotels

  1. World of Hyatt Credit Card 6.6% 4x
  2. Instacart Mastercard 1.0% 1% base rate

What the numbers are doing

World of Hyatt Credit Card tops everything else at 1.7% only because this table values its points at 1.65 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 World of Hyatt Credit Card $95 a year, so a thin lead in one category may not cover the difference.

Where they differ: World of Hyatt Credit Card takes everything else, dining, ground transportation and gyms, plus 2 more; Instacart Mastercard takes gas.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseWorld of Hyatt Credit Card1.7%
DiningWorld of Hyatt Credit Card3.3%
GasInstacart Mastercard2.0%
Travel · portalInstacart Mastercard · Chase Travel5.0%
Ground transportationWorld of Hyatt Credit Card3.3%
GymsWorld of Hyatt Credit Card3.3%
FlightsWorld of Hyatt Credit Card3.3%
HotelsWorld of Hyatt Credit Card6.6%

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. World of Hyatt Credit Card — 1.7%
  2. Instacart Mastercard — 1.0%

Dining

  1. World of Hyatt Credit Card — 3.3%
  2. Instacart Mastercard — 2.0%

Gas

  1. Instacart Mastercard — 2.0%
  2. World of Hyatt Credit Card — 1.7%

Travel · portal

  1. Instacart Mastercard · Chase Travel — 5.0%

Ground transportation

  1. World of Hyatt Credit Card — 3.3%
  2. Instacart Mastercard — 1.0%

Gyms

  1. World of Hyatt Credit Card — 3.3%
  2. Instacart Mastercard — 1.0%

Flights

  1. World of Hyatt Credit Card — 3.3%
  2. Instacart Mastercard — 1.0%

Hotels

  1. World of Hyatt Credit Card — 6.6%
  2. Instacart Mastercard — 1.0%
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