Card comparisonSide by side
Instacart Mastercard® vs United ClubSM Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
Pair snapshot
2
cards
A-B
comparison
Comparison table
The numbers, lined up.
How to read missing comparison values
- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, and Reward Program are editorial labels and may still be pending enrichment. A rating is shown only when available.
Swipe horizontally to compare all columns
| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Chase | Chase |
Card Network | ||
Card Type Data: 2/2 cards | cashback | travel |
Card Tier Data: 1/2 cards | — | Luxury |
Credit Score | — | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $695 |
Foreign Transaction Fee | None | — |
Purchase APR | 18.24% – 27.74% | 19.74% – 28.24% |
Intro APR | — | — |
| Rewards | ||
Welcome Bonus | Earn $50 | Earn 90,000 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% backPurchases made through Chase Travel. | — |
| 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. |
| Benefits | ||
Key Benefits |
|
|
