Instacart Mastercard® Credit Card vs Chase Freedom Rise

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

Extended Warranty

Purchase Protection

Trip Protections

Secondary Car Rental CDW Waiver

Roadside Assistance

Concierge Services

Free Access to Credit Score

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

Extended Warranty

yes

Purchase Protection

yes

Trip Protections

yes

Secondary Car Rental CDW Waiver

yes

Roadside Assistance

yes

Concierge Services

yes

Free Access to Credit Score

Chase Freedom Rise®

Annual Fee

Avg. Min. Credit Score

670-850

Ongoing APR

26.49% (Variable)

Balance transfers fees

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

Best Multiplier

5x Lyft

1.5x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.

Rating

(3.5) Our Review

Review

The Chase Freedom Rise® is specifically aimed at those people who haven’t yet established credit, whether they are young or new to the country.

What’s great about this card is that unlike most “starter” credit cards, this credit card actually earns cash back and a handsome 1.5% cash back at that – all with no annual fee and it’s not a secured credit card, meaning you are being given credit the same as anyone else and you’ll be able to build your credit score by using the card and making on time payments. The cash back is awarded as Chase Ultimate Rewards points, but they are not transferable points – only cash back.

There are no intro 0% APR offers on this card so it’s best for someone that will be able to pay their bills on time and, ideally, in full.

Unique Card Benefits

yes

Extended Warranty

yes

Purchase Protection

yes

Trip Protections

yes

Secondary Car Rental CDW Waiver

Roadside Assistance

Concierge Services

Free Access to Credit Score

yes