Amazon Business Prime American Express Card vs Instacart Mastercard® Credit Card

Detailed Comparison Overview

Key Facts

Annual Fee

Avg. Min. Credit Score

Ongoing APR

Balance transfers fees

Best Multiplier

Avg. Point Value
(Learn More)

Bonus Offer

Rating

Review

Key features

Unique Card Benefits

Secondary Car Rental CDW Waiver

Extended Warranty

Purchase Protection

Trip Protections

Roadside Assistance

Concierge Services

Amazon Business Prime American Express Card

Annual Fee

$0 (Rates and fees)

Avg. Min. Credit Score

Good-Excellent

Ongoing APR

18.49%-26.49% (Variable)

Balance transfers fees

Best Multiplier

5x Amazon / Whole Foods

2x Gas Stations

2x Cellular Phone Service

2x Dining Out / Food Delivery

1x All Other Eligible Purchases

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

Receive a $125 Amazon Gift Card when approved for this card with an eligible Amazon Prime membership.

Rating

(3.88) Our Review

Review

An obvious powerhouse for those with a lot of spend at Amazon and Whole Foods with 5% cash back if you hold an Amazon Prime membership.

Many spend tens of thousands a month with AWS web services and 5% cash back on that can be huge, especially when you consider that cash back earned on a credit card is considered a rebate on spend and is not taxable as income.

While we are generally partial to cards that earn transferrable bank points, heavy Amazon spenders will do well with the 5% offered here.

Rates and Fees for the Amazon Business Prime American Express Card. Terms Apply.

Unique Card Benefits

Secondary Car Rental CDW Waiver

Extended Warranty

Purchase Protection

Trip Protections

Roadside Assistance

Concierge Services

Instacart Mastercard® Credit Card

Annual Fee

Avg. Min. Credit Score

670-850

Ongoing APR

20.24%-28.99% (Variable)

Balance transfers fees

Either $5 or 5% of the amount of each balance transfer, whichever is greater.

Best Multiplier

5x Airfare

5x Hotels

5x Car Rentals

2x Gas Stations

2x Dining Out / Food Delivery

2x Streaming Services

1x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

Best Offer: Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.

Rating

(2.88) Our Review

Review

This card is designed for heavy Instacart uses. Much like the Amazon credit card only makes sense if you spend a ton at Amazon, the Instacart credit card only makes sense if you already spend a ton at Instacart as the 5% back will add up – and it’s a no annual fee credit card.

If you are looking for a powerful card for all supermarket purchases, you’d be much better off with one of our top credit cards for supermarkets like the American Express Gold Card, which earns 4X Membership Rewards at supermarkets, up to $25,000 a year (earn 1X thereafter).

But if you are loyal to Instacart, this card is worth considering.

It is a World Elite Mastercard, so it does come with some additional benefits as well.

Additional Benefits include:

World Elite Concierge
Baggage Delay Insurance
Extended Warranty Protection
Purchase Protection
Lost Luggage Reimbursement
Travel Accident Insurance
Roadside Assistance
Secondary Car Rental Collision Damage Waiver coverage

Overall, if you are a huge Instacart user, this card is worth it for the 5% back on all your purchases. But if you aren’t, you might find a better card for your spend in our Famous Card Explorer.

Unique Card Benefits

yes

Secondary Car Rental CDW Waiver

yes

Extended Warranty

yes

Purchase Protection

yes

Trip Protections

yes

Roadside Assistance

yes

Concierge Services

yes