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Compare the Features and Benefits of Instacart Mastercard® Credit Card and
Chase Ink Business Premier℠ 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
Extended Warranty
Purchase Protection
Trip Protections
Roadside Assistance
Secondary Car Rental CDW Waiver
Concierge Services
Primary Car Rental CDW Waiver
No Foreign Transaction Fees
Cell Phone Protection
Does Not Report Credit Line to Personal Credit Profile
No Fees for Authorized Users
Travel and Emergency Assistance Services
Annual Fee
$0
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

Only on purchases made through the Chase Travel Center. 1X otherwise

5x Hotels

Only on purchases made through the Chase Travel Center. 1X otherwise

5x Car Rentals

Only on purchases made through the Chase Travel Center. 1X otherwise

2x Gas Stations
2x Dining Out / Food Delivery
2x Streaming Services
1x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(2.88) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

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.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Roadside Assistance
yes
Secondary Car Rental CDW Waiver
yes
Concierge Services
yes
Primary Car Rental CDW Waiver
no
No Foreign Transaction Fees
no
Cell Phone Protection
no
Does Not Report Credit Line to Personal Credit Profile
no
No Fees for Authorized Users
no
Travel and Emergency Assistance Services
no
Annual Fee
$195
Avg. Min. Credit Score
670-850 *
Ongoing APR
19.49%-27.49% (Variable)
Balance transfers fees
-
Best Multiplier
5x Airfare

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x Cruises

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x Car Rentals

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x Hotels

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

2.5x Single Charges over $5,000
2x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.75) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Ink Business Premier credit card from Chase fits a specific target audience.

The businesses best suited for this card spend a very high amount monthly and want to simplify their spending. Especially if you have frequent charges over $5,000, that annual fee is paid for many times over by the extra 1/2 percent earned in cash back.

While it’s easy to get caught up in miles and points, if you are spending and earning more points than you can realistically spend, it’s not at all a bad idea.

Check Ink Premier for Business

However, if you want to earn transferable points, you would be better served by a Capital One Spark Cash Select. Alone, the Spark Cash is also just straight cash, but if you have a Venture, Venture X, or Spark Miles for Business card, you can convert the cash to miles.

If that’s not a concern, then the Chase Ink Business Premier is easily the very best business charge card out there. No other credit card or charge card will get you more cash back on purchases.

Many small business owners spend a ton on inventory monthly and could be earning huge amounts of cashback, but don’t have time to learn about miles and points. This business card is perfect for those small business owners. If purchases tend to be large purchases over $5,000 (which earn 2.5%) it becomes even better.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Roadside Assistance
yes
Secondary Car Rental CDW Waiver
no
Concierge Services
no
Primary Car Rental CDW Waiver
yes
No Foreign Transaction Fees
yes
Cell Phone Protection
yes
Does Not Report Credit Line to Personal Credit Profile
yes
No Fees for Authorized Users
yes
Travel and Emergency Assistance Services
yes

Learn more about these cards today

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