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Instacart Mastercard® vs United ClubSM Card
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Chase | Chase |
Card Network | Mastercard | Visa |
Card Type Data: 2/2 cards | cashback | travel |
Card Tier Data: 2/2 cards | Entry Level | Luxury |
| Fees & APR | ||
Annual Fee | $0 | $695 |
Foreign Transaction Fee | None | — |
Purchase APR | 18.24% – 27.74% | 19.74% – 28.24% |
| Rewards | ||
Welcome Bonus | Earn $50 | Earn 80,000 miles |
Reward Rate Data: 2/2 cards | 5% back on chase travel purchases | 11x miles on eligible united flights |
Reward Program Data: 2/2 cards | Instacart Mastercard rewards program | United MileagePlus |
| Earning Rates | ||
| All other purchases | 1% back | 1x miles |
| Chase Travel purchases | 5% back | — |
| Dining | — | 2x milesIncludes restaurants, takeout, and eligible delivery services. |
| Eligible United flights | — | 11x miles11x total consists of 6x miles on the primary cardmember's fare from United as a MileagePlus member plus 5x on the entire United purchase with the United Club Card; earning differs for Basic Economy or base option tickets. |
| Other eligible United purchases | — | 5x milesIncludes airline tickets purchased from United, seat upgrades, Economy Plus, inflight food, beverages, Wi-Fi, baggage service charges, other United fees, and United Card Events from Chase; exclusions apply. |
| Qualifying Instacart.com and Instacart app purchases | 5% back5% applies to the first $6,000 spent annually; after the cap, qualifying Instacart purchases earn 1%. | — |
| Renowned Hotels and Resorts for United Cardmembers | — | 5x milesHotel accommodation purchases made using the card through Chase Travel; must be eligible prepaid hotel stays. |
| Restaurants, gas stations, and select streaming services | 2% backDining includes restaurant orders on Instacart powered by Uber Eats, takeout, and eligible delivery services. | — |
| Travel | — | 2x milesExcludes United purchases that qualify for 5 miles per dollar. |
| all other eligible United purchases | — | 5x miles |
| all other purchases | 1% back | 1x miles |
| all other travel | — | 2x miles |
| dining | — | 2x milesIncludes eligible delivery services. |
| dining including eligible delivery services | — | 2x miles |
| eligible United flights | — | 11x milesTotal consists of 6x miles on the primary cardmember's fare from United as a MileagePlus member plus 5x miles on the entire United purchase with the card; earnings differ for Basic Economy or base option tickets. |
| gas stations | 2% back | — |
| hotel stays prepaid through Renowned Hotels and Resorts | — | 5x milesWhen you prepay directly through Renowned Hotels and Resorts for United Cardmembers |
| hotel stays prepaid through Renowned Hotels and Resorts for United Cardmembers | — | 5x milesWhen you prepay directly through Renowned Hotels and Resorts |
| hotel stays through Renowned Hotels and Resorts for United Cardmembers | — | 5x milesMust be prepaid directly through Renowned Hotels and Resorts for United Cardmembers. |
| other eligible United purchases | — | 5x miles |
| other travel | — | 2x milesIncludes airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls. |
| qualifying Instacart purchases | 5% backon your first $6,000 spent annually | — |
| qualifying Instacart.com and Instacart app purchases | 5% backOn the first $6,000 spent annually; after that, earns 1% cash back with no maximum. | — |
| restaurants | 2% backIncludes restaurant orders on Instacart powered by Uber Eats, takeout and eligible delivery services. | — |
| select streaming services | 2% back | — |
| Benefits | ||
Key Benefits |
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