Instacart Mastercard® vs. Capital One VentureOne Rewards

Easily compare up to three credit cards side by side with our intuitive comparison tool. Assess features, offers, and more to find the best fit for your financial needs.

Instacart Mastercard® Card Instacart Mastercard® Card Capital One VentureOne Rewards Card Capital One VentureOne 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
9.3MyCreditCardLab Score

MyCreditCardLab Score 9.3

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
9.4
Regular APR
9
Rewards
8.6
Benefits
9
Welcome Bonus
9
Recommended Credit Score: 9
Foreign Transaction Fee: 10
Cash Advance Fee: 9.4
Balance Transfer Fee: 9.2
ANNUAL FEE
$0 $0
INTRO APR
No intro offer 0% intro APR on Purchases and Balance Transfers for the first 15 months. It applies to qualifying transfers.
REGULAR APR
20.24% - 28.99% Variable APR 19.99% - 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
  • 0% intro APRs
  • 20,000 miles initial bonus
  • Has a low minimum spending needed to earn the sign-up bonus.
  • No annual fee
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 rewards rate
  • Balance transfer fee
  • Requires an excellent credit score
  • Low earnings potential
WELCOME BONUS
Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply. 20,000 Miles once you spend $500 on purchases within 3 months from account opening
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 VentureOne Rewards 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:
  • 5X miles on hotels and rental cars when you book through Capital One Travel
  • 1.25X miles on all purchases
  • Transfer your miles to your choice of 15+ travel loyalty programs
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. Good transfer partners - Capital One has many transfer partners. They can take you across the globe with your miles.  Intro APR opportunity - Consumers can use it to pay off high-interest debt from another card. The low intro APR offer can save them lots of interest. No annual fee or foreign transaction fees - Using your card worldwide without an extra fee is a big plus for any traveller.  Welcome offer - People with great credit also get 0% intro APR for 15 months. This is for purchases and balance transfers. After that, the APR is variable. It is based on creditworthiness. The intro period is as good as cards like Discover It or Discover It Miles. It's also as good as Citi Custom Cash, Chase Freedom Unlimited, and more. Unfortunately, VentureOne for Good Credit applicants can't get bonus miles. They also can't get a 0% intro APR.
CASH ADVANCE FEE / APR
Either $10 or 5% of the amount of each transaction, whichever is greater. 29.99% variable, plus a fee of either $5 or 5% of the amount of each transaction, whichever is greater
BALANCE TRANSFER FEE
20.24% - 28.99% Variable APR 19.99% - 29.99% variable, plus a fee of either 4% of the amount of each transfer
RECOMMENDED CREDIT SCORE
690 - 850 (Fair - Exceptional) 690 - 850 (Fair - Exceptional)
FOREIGN TRANSACTION FEE
$0 $0
BEST FOR
  • Cash Back Seekers
  • Everyday Spending
  • Online Shopping
  • Foreign Travel
  • Travelers
  • Everyday Spending
  • Hotel Stays
  • Airline Miles
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