Compare the Features and Benefits of Instacart Mastercard® Credit Card and
Bilt Blue Card

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.

The Bilt Blue Card is the “starter” Bilt card with no annual fee.

You’ll earn 1X on all Everyday Spend plus an additional 4% in the form of Bilt Cash. Unlike the annual fee versions, there are no statement credits available nor any bonus categories.

Your Best Credit Cards values Bilt Rewards points at 1.8 cents each, although the personal value you get from each point may be higher or lower. With 1X points earned on all everyday spend, you are earning an approximate value of 1.8% worth of Bilt Rewards plus another 4% in Bilt Cash on top.

Bilt Blue Card

Many know Bilt for the ability to pay your rent and mortgage with the card. You’ll be able to earn points for paying any personal rent or mortgage with this card. Simply redeem the Bilt Cash you earn from all of your non-rent spend to earn 1X points on your rent or mortgage payment, which has no transaction fees. Applying $30 worth of Bilt Cash for every $1,000 in rent or mortgage payments paid will earn you points on that portion of the rent or mortgage payment, up to the full amount. You can redeem Bilt Cash for all or part of your payment.

We love Bilt Rewards for their strong list of transfer partners which include World of Hyatt, United Airlines, Alaska Airlines, and JAL Mileage Bank, among many others as mentioned above. You can also get 1.25 cents per point in value simply by redeeming Bilt points in their travel portal and they even offer “direct bookings” that offer loyalty benefits despite being a third party booking. Just look for “Member Rate” or “Home Away From Home” labels when searching hotels or “Direct Book” when searching flights.

If you are looking for a Bilt card that offers a huge 2X (+ 4% Bilt Cash) on Everyday Spend with premium benefits, you might consider the Bilt Palladium Card. If you want to explore a Bilt card with additional bonus multipliers for groceries or dining and travel, that’s the Bilt Obsidian Card.