Instacart Mastercard® Credit Card vs The Hilton Honors American Express Business 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

Secondary Car Rental CDW Waiver

Extended Warranty

Purchase Protection

Trip Protections

Unique Card Benefits

Roadside Assistance

Concierge Services

Annual Statement Credits

Grants Hotel Status

Grants Car Rental Status

Does Not Report Credit Line to Personal Credit Profile

No Foreign Transaction Fees

No Fees for Authorized Users

Metal Card

Amex Offers

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

🎁 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.

Secondary Car Rental CDW Waiver

yes

Extended Warranty

yes

Purchase Protection

yes

Trip Protections

yes

Unique Card Benefits

yes

Roadside Assistance

yes

Concierge Services

yes

Annual Statement Credits

Grants Hotel Status

Grants Car Rental Status

Does Not Report Credit Line to Personal Credit Profile

No Foreign Transaction Fees

No Fees for Authorized Users

Metal Card

Amex Offers

The Hilton Honors American Express Business Card

Annual Fee

$195 (Rates and fees)

Avg. Min. Credit Score

Good-Excellent

Ongoing APR

19.99%-28.99% (Variable)

Balance transfers fees

Best Multiplier

5x Dining Out / Food Delivery

5x Groceries

5x Airfare

5x Hotels

5x Car Rentals

5x EV Charging

5x Gas Stations

5x Cruises

5x Transit

5x Drugstores

5x Cable / Internet / VOIP Phone

5x Cellular Phone Service

5x Office Supplies

5x Rent

5x Streaming Services

5x Advertising (Online / TV / Radio)

5x Gym Memberships

5x U.S. Electronic Goods Retailers / Software / Cloud System Providers

5x Construction Materials / Hardware Supplies

5x Online Retail Shopping

5x Amazon / Whole Foods

5x Entertainment (Concerts / Shows / Movies)

5x Costco

5x Shipping

5x Advertising on Search Engines and Social Media

5x Lyft

5x Single Charges over $5,000

5x All Other Eligible Purchases

Avg. Point Value
(Learn More)

$0.006

Bonus Offer

⌛ Limited Time Offer Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 4/29/2025. Terms apply.

Rating

(3.83) Our Review

Review

The Hilton Honors American Express Business Card comes with some valuable benefits, including Gold Elite status, which gets you free breakfast (or a daily food and beverage credit) on all stays at full-service Hilton hotels and resorts and is the only business credit card that earns Hilton Honors points.

With Hilton Honors points having an approximate value of 0.5 cents per point, you are earning roughly 6% back on Hilton stays (earning 12X) and 2.5% back on your first $100,000 of eligible spend (earning 5X).

However, after $100,000 in a calendar year, all eligible spend outside of a Hilton property will earn 3X which we would value at about 1.5% cash value.

Also, you’ll get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card. If you use all 4 credits in full, you’d more than cover the Card’s annual fee.

Hilton Honors Business Credit Card

The Hilton portfolio also has some breathtaking hotels and resorts at which you can spend your Hilton Honors points.

While we don’t recommend the Hilton Honors Business card as your only business credit card, it certainly is worth more than its annual fee if you frequently stay at Hilton portfolio hotels and resorts.

Rates and fees for the The Hilton Honors American Express Business Card

Secondary Car Rental CDW Waiver

yes

Extended Warranty

yes

Purchase Protection

yes

Trip Protections

yes

Unique Card Benefits

Roadside Assistance

Concierge Services

Annual Statement Credits

yes

Grants Hotel Status

yes

Grants Car Rental Status

yes

Does Not Report Credit Line to Personal Credit Profile

yes

No Foreign Transaction Fees

yes

No Fees for Authorized Users

yes

Metal Card

yes

Amex Offers

yes