Compare the Features and Benefits of Instacart Mastercard® Credit Card and
United℠ Business 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.

If you’re a business owner contemplating on getting a personal United credit card, it’s worth taking a closer look at the United Business Card first.

Cardholders earn 2x unlimited miles on a diverse range of bonus categories, including United purchases (which includes United flights, seat upgrades, wifi or onboard purchases), dining including eligible delivery services, gas stations, office supply stores, and local transit and commuting. All other purchases accrue 1x miles. And don’t forget, beyond the initial hard inquiry when applying for a business card, it won’t report to your personal credit as long as you remain in good standing.

The annual fee is $150 (occasionally waived for the first year, based on the bonus offer being offered at the time, although the offers that waive the annual fee the first year also generally offer less miles.)

Fortunately, maximizing the card is effortless thanks to its number of tangible benefits. You can get every first checked bag free on United flights and even earn an annual $125 United credit after purchasing five United flight purchases. Coupled with the opportunity to enter the United Club twice per year ($59 value each time), that’s roughly a $200+ value off the bat toward travel.

Then you have the rideshare benefits ($8 back as a statement credit each month from January through November and up to $12 back for the month of December. Yearly opt-in is required.) for up to $100 a year back and then perhaps less commonly used perks like the credits for FareLock, United Hotels, JSX, and Instacart.

Other non-tangible, yet equally useful, benefits that the United Business Card provides include priority boarding, a 25% discount on inflight purchases, and the ability to earn Premier Qualifying Points every year from spend (see the next paragraph for details). Depending on how often you’re flying United every year, these perks offer elite-like benefits just by holding this card.

And don’t forget the ability to earn PQPs towards elite status from spend. You’ll earn 1 PQP for every $20 you spend on purchases with your Business Card – up to 4,000 PQPs per year.

If you were purely looking to earn United miles, however, you might well do better with the Chase Ink Business Preferred® Card which would earn 3X Chase Ultimate Rewards points on the first $150,000 spent on all travel purchases, has similar trip protections, and its points transfer 1:1 to United – but also to more than a dozen other airline and hotel partners.

We have a detailed comparison of the United Business Card vs. the Chase Ink Business Preferred Card.

Chase is the issuer of this business card and is quite generous when it comes to providing travel and purchase coverages with high limits. Plus, Chase tends to offer partner benefits exclusively for cardholders.