Instacart Mastercard® vs. American Express Blue Cash Everyday®

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Instacart Mastercard® Card Instacart Mastercard® Card American Express Blue Cash Everyday<sup>®</sup> Card American Express Blue Cash Everyday® Card
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
8.9MyCreditCardLab Score

MyCreditCardLab Score 8.9

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
7
Regular APR
9.5
Rewards
8.6
Benefits
8.7
Welcome Bonus
9.3
Recommended Credit Score: 9.2
Foreign Transaction Fee: 9.1
Cash Advance Fee: 9.1
Balance Transfer Fee: 8.3
ANNUAL FEE
$0 $0
INTRO APR
No intro offer 0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 15 months on qualifying balance transfers
REGULAR APR
20.24% - 28.99% Variable APR 19.24% - 29.99% Variable APR
PROS
  • 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
  • $200 welcome bonus offer
  • High rewards rate
  • Introductory APR offer on purchases and balance transfers
  • Cell phone protection
CONS
  • 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
  • $1,500 limit on 5% cash back
  • 2.7% foreign transaction fee
  • Balance transfer fee
  • Requires good - excellent credit
WELCOME BONUS
Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply. $200 if you spend $2,000 in first 6 months
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
 American Express Blue Cash Everyday® 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:
  • 3% CASH BACK On Groceries At U.S. supermarkets, U.S. Online Retail Purchases and Gas At U.S. gas stations on up to $6,000 per year in purchases (then 1%)
  • 1% cash back on other purchases
  • Are you thinking about getting the Disney Bundle? It can include Disney+, Hulu, and ESPN+. You get $7/month back. It comes as a statement credit. But, you must spend $9.99 or more each month on an eligible subscription. The subscription must auto renew and you must use your Blue Cash Everyday® Card. Enrollment required.
BENEFITS
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. $84 Disney Bundle Credit - Get a $7 monthly statement credit. You get it after using your enrolled Blue Cash Everyday® Card to spend $9.99 or more each month on a Disney Bundle subscription. Valid only at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S. Complimentary ShopRunner membership - Get free two-day shipping on eligible items at 100+ online stores. You can get it by enrolling in the free ShopRunner membership. Car rental insurance - When you use your card to pay for a rental and decline the collision damage waiver, you may get secondary auto coverage. This happens in an eligible place. American Express experiences - Get access to special ticket presales. You will also get invitations to events. These events are only for American Express card members. $180 Home Chef credit - Get up to $15 in credits per month. You get them when you pay for a Home Chef subscription with your card.
CASH ADVANCE FEE / APR
Either $10 or 5% of the amount of each transaction, whichever is greater. 29.99% variable, Either $10 or 5% of the amount of each transaction, whichever is greater.
BALANCE TRANSFER FEE
20.24% - 28.99% Variable APR Enjoy 0% intro APR on purchases. Also, on balance transfers. It lasts for 15 months from account opening. After that, 19.24% to 29.99% variable APR.
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 700 - 749 (Fair - Good)
FOREIGN TRANSACTION FEE
$0 2.7%
BEST FOR
  • Cash Back Seekers
  • Everyday Spending
  • Online Shopping
  • Foreign Travel
  • Cash Back Seekers
  • Gas and Groceries
  • U.S. Supermarket Spending
  • Large Welcome Bonus
More Details More Details

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