Instacart Mastercard® vs. Capital One SavorOne Student Cash Rewards

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Instacart Mastercard® Card Instacart Mastercard® Card Capital One SavorOne Student Cash Rewards Card Capital One SavorOne Student Cash Rewards 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
9.1MyCreditCardLab Score

MyCreditCardLab Score 9.1

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
10
Regular APR
8.5
Rewards
8
Benefits
8.8
Welcome Bonus
8
Recommended Credit Score: 8.5
Foreign Transaction Fee: 10
Cash Advance Fee: 9.7
Balance Transfer Fee: 9.5
ANNUAL FEE
$0 $0
INTRO APR
No intro offer 0% on Purchases and Balance Transfers for 15 months
REGULAR APR
20.24% - 28.99% Variable APR APR: 19.99%-29.99% Variable APR, Cash Advance APR: 29.99%, Variable
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
  • No annual fee
  • No foreign transaction fees
  • 3% cash back rewards on dining, entertainment, and groceries.
  • $50 Cash Back when you spend $100 in the first three months.
  • 0% intro APR on purchases and balance transfers for 15 months
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
  • Low base rewards rate
  • May require a good credit score for approval.
  • There’s no introductory APR for new cardholders.
  • Limited rewards categories compared to other cards.
WELCOME BONUS
Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply. Earn $50 Cash Back when you spend $100 in the first three 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
Capital One SavorOne Student Cash Rewards Card Rewards stand out as a remarkably versatile credit currency. You have the flexibility to redeem your earnings in various ways, including:
  • 3% cash back rewards on dining, entertainment, and groceries.
  • 8% Cash back on Capital One Entertainment purchases
  • Earn a generous 10% cash back on Uber and Uber Eats transactions, along with complimentary Uber One membership statement credits until 11/14/2024
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. Generous Cash Back Rewards - Earn unlimited cash back on every purchase. Earn bonus rewards. They are for popular categories like dining, entertainment, and groceries. No Annual Fee - Enjoy all the card benefits. There's no annual fee. It's a cheap option for students, Small Business Owners and Cash Back Seekers. Introductory APR - Benefit from a 0% introductory APR on purchases for the first 15-month period, allowing you to make buy and pay them off over time without accruing interest. This 0% benefit helps you buy everything you need to start your student career. Exclusive Access to Uber Rewards - Earn 10% cash back on Uber and Uber Eats purchases, along with complimentary Uber One membership statement credits until a specified date. Student-Friendly Features - Capital One offers various student-friendly features, including credit monitoring tools, flexible payment options, and access to Capital One CreditWise for tracking your credit health.
CASH ADVANCE FEE / APR
Either $10 or 5% of the amount of each transaction, whichever is greater. 5% of the amount of the cash advance, but not less than $5
BALANCE TRANSFER FEE
20.24% - 28.99% Variable APR 0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 19.99% - 29.99% Variable APR
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 630 - 689 (Poor - Fair)
FOREIGN TRANSACTION FEE
$0 None
BEST FOR
  • Cash Back Seekers
  • Everyday Spending
  • Online Shopping
  • Foreign Travel
  • Cash Back Seekers
  • Students
  • Everyday Spending
  • Entertainment
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