Chase Freedom Rise vs. Instacart Mastercard®

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Chase Freedom Rise<sup>℠</sup> Chase Freedom Rise Instacart Mastercard® Card Instacart Mastercard® Card
8.3MyCreditCardLab Score

MyCreditCardLab Score 8.3

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
5.1
Regular APR
8.4
Rewards
8.3
Benefits
7.9
Welcome Bonus
8.3
Recommended Credit Score: 9
Foreign Transaction Fee: 8.8
Cash Advance Fee: 8.5
Balance Transfer Fee: 8.2
8.6MyCreditCardLab Score

MyCreditCardLab Score 8.6

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
6
Regular APR
7.6
Rewards
8.8
Benefits
8.5
Welcome Bonus
8.7
Recommended Credit Score: 9.5
Foreign Transaction Fee: 10
Cash Advance Fee: 9.3
Balance Transfer Fee: 7.8
ANNUAL FEE
$0 $0
INTRO APR
None No intro offer
REGULAR APR
26.74% Variable APR 20.24% - 28.99% Variable APR
PROS
  • No annual fee
  • Unlimited 1.5% cash back on every purchase
  • Earns rewards
  • Does not require security deposit
  • Autopay bonus
  • No annual card fee
  • Free year of Instacart+ membership
  • $100 Instacart credit initial bonus
  • No foreign fee
  • Redeem cash back for any amount
  • Direct deposit or a statement credit
CONS
  • No bonus categories
  • High APR
  • Foreign fee
  • Instacart is not available in all areas.
  • You earn only 1% cash back on grocery purchases not made through Instacart.
  • Doesn’t offer a 0% introductory APR period
WELCOME BONUS
Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
REWARDS
Chase Freedom Rise Rewards program boasts exceptional flexibility in credit currency. Redeem your earnings through a multitude of options, including:
  • Earn 1.5% cash back on all your purchases with the Chase Freedom Rise Credit Card.
  • Score a $25 statement credit when you sign up for autopay within 3 months of opening your account (terms apply).
  • No annual fee or minimum redemption requirements, it's a hassle-free way to earn rewards.
Instacart Mastercard® Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
  • Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
  • Earn 5% cash back on Instacart app and Instacart.com purchases
  • Get 5% cash back on travel bought through the Chase Travel Center. This includes flights, hotels, and more.
  • Earn 2% cash back at restaurants, gas stations and on select streaming services
  • Earn 1% cash back on all other purchases
BENEFITS
Building credit - Designed for those new to credit, with potential for credit line increase. It's best for students. Simple rewards - Flat 1.5% cash back on all purchases, no categories to remember. No annual fee - Keep your rewards without worrying about yearly charges. Free credit monitoring - Track your progress and learn credit-building tips. $25 bonus - Get a statement credit for setting up autopay within 3 months. Instacart - It works on Instacart.com and the Instacart app. It applies to purchases on over 750 retailers. They deliver from more than 70,000 stores across 5,500 cities. No foreign transaction fees - You will pay no foreign transaction fees. This is when you use your card for purchases made outside the United States. Contactless Tap To Pay - For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol. For more knowledge, please see www.chase.com/contactless Instacart+ benefits - Enjoy free delivery on all purchases over $35. 5% credit back on pickup Pay with Points - Use your cash back rewards to pay for all or part of your purchase in the Instacart app or on instacart.com. World Elite Mastercard benefits - These include access to Mastercard Priceless® Experiences and special offers from brands. You also get a free 24/7 concierge service.
CASH ADVANCE FEE / APR
Either $10 or 5% of the amount of each transaction, whichever is greater. Either $10 or 5% of the amount of each transaction, whichever is greater.
BALANCE TRANSFER FEE
$5 or 5% of the amount of each transfer, whichever is greater 20.24% - 28.99% Variable APR
RECOMMENDED CREDIT SCORE
690 - 580 (Fair - Poor) 690 - 850 (Fair - Exceptional)
FOREIGN TRANSACTION FEE
3% $0
BEST FOR
  • Students
  • Bad Credit
  • Everyday Spending
  • Cash Back Seekers
  • Everyday Spending
  • Online Shopping
  • Foreign Travel
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