Which card earns more rewards, the Amazon Visa or Instacart Mastercard®?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Amazon Visa or the Instacart Mastercard®?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Amazon Visa or Instacart Mastercard®?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Amazon Visa or the Instacart Mastercard®?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Amazon Visa or Instacart Mastercard®?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Amazon Visa or the Instacart Mastercard®?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

CardRewards

Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.

CardRewards

Amazon Visa vs Instacart Mastercard®

Both cards cost $0/yr. The Amazon Visa is better for amazon, while the Instacart Mastercard® wins on instacart. Here's how they compare.

Amazon Visa

Chase

Instacart Mastercard®

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

50 Retail

—

Earn Rates

Category	Amazon Visa	Instacart Mastercard®
Instacart	1X	5X
All Travel Ultimate Rewards	3X	1X
Amazon	3X	1X
Whole Foods	3X	1X
Dining	2X	2X
Gas Stations	2X	2X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+3% back at Amazon.com, Amazon Fresh, and Whole Foods Market
+3% back on Chase Travel portal bookings with no cap
+2% back at restaurants, gas stations, and transit
+$50 Amazon Gift Card upon approval with no spend requirement
+No annual fee and no foreign transaction fees

—

Cons

−Lower Amazon/Whole Foods earn rate than Prime Visa
−Rewards locked to Amazon ecosystem
−Only 1% back on non-category purchases

—

Category-by-Category Winner

The Amazon Visa wins in 5 of 7 categories. The Instacart Mastercard® leads in 2.

Amazon

Amazon Visa earns 3X vs 1X

Whole Foods

Amazon Visa earns 3X vs 1X

All Travel Ultimate Rewards

Amazon Visa earns 3X vs 1X

Transit

Amazon Visa earns 2X vs 1X

Ridesharing

Amazon Visa earns 2X vs 1X

Instacart

Instacart Mastercard® earns 5X vs 1X

Streaming

Instacart Mastercard® earns 2X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Amazon Visa or Instacart Mastercard®?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Amazon Visa or the Instacart Mastercard®?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Amazon Visa — Full Review All Chase Cards

Instacart Mastercard® — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Amazon Visa vs Instacart Mastercard®

Both cards cost $0/yr. The Amazon Visa is better for amazon, while the Instacart Mastercard® wins on instacart. Here's how they compare.

Amazon Visa

Chase

Instacart Mastercard®

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

50 Retail

—

Earn Rates

Category	Amazon Visa	Instacart Mastercard®
Instacart	1X	5X
All Travel Ultimate Rewards	3X	1X
Amazon	3X	1X
Whole Foods	3X	1X
Dining	2X	2X
Gas Stations	2X	2X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+3% back at Amazon.com, Amazon Fresh, and Whole Foods Market
+3% back on Chase Travel portal bookings with no cap
+2% back at restaurants, gas stations, and transit
+$50 Amazon Gift Card upon approval with no spend requirement
+No annual fee and no foreign transaction fees

—

Cons

−Lower Amazon/Whole Foods earn rate than Prime Visa
−Rewards locked to Amazon ecosystem
−Only 1% back on non-category purchases

—

Category-by-Category Winner

The Amazon Visa wins in 5 of 7 categories. The Instacart Mastercard® leads in 2.

Amazon

Amazon Visa earns 3X vs 1X

Whole Foods

Amazon Visa earns 3X vs 1X

All Travel Ultimate Rewards

Amazon Visa earns 3X vs 1X

Transit

Amazon Visa earns 2X vs 1X

Ridesharing

Amazon Visa earns 2X vs 1X

Instacart

Instacart Mastercard® earns 5X vs 1X

Streaming

Instacart Mastercard® earns 2X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Amazon Visa or Instacart Mastercard®?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Amazon Visa or the Instacart Mastercard®?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Amazon Visa — Full Review All Chase Cards

Instacart Mastercard® — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Amazon Visa vs Instacart Mastercard®

Both cards cost $0/yr. The Amazon Visa is better for amazon, while the Instacart Mastercard® wins on instacart. Here's how they compare.

Amazon Visa

Chase

Instacart Mastercard®

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

50 Retail

—

Earn Rates

Category	Amazon Visa	Instacart Mastercard®
Instacart	1X	5X
All Travel Ultimate Rewards	3X	1X
Amazon	3X	1X
Whole Foods	3X	1X
Dining	2X	2X
Gas Stations	2X	2X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+3% back at Amazon.com, Amazon Fresh, and Whole Foods Market
+3% back on Chase Travel portal bookings with no cap
+2% back at restaurants, gas stations, and transit
+$50 Amazon Gift Card upon approval with no spend requirement
+No annual fee and no foreign transaction fees

—

Cons

−Lower Amazon/Whole Foods earn rate than Prime Visa
−Rewards locked to Amazon ecosystem
−Only 1% back on non-category purchases

—

Category-by-Category Winner

The Amazon Visa wins in 5 of 7 categories. The Instacart Mastercard® leads in 2.

Amazon

Amazon Visa earns 3X vs 1X

Whole Foods

Amazon Visa earns 3X vs 1X

All Travel Ultimate Rewards

Amazon Visa earns 3X vs 1X

Transit

Amazon Visa earns 2X vs 1X

Ridesharing

Amazon Visa earns 2X vs 1X

Instacart

Instacart Mastercard® earns 5X vs 1X

Streaming

Instacart Mastercard® earns 2X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Amazon Visa or Instacart Mastercard®?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Amazon Visa or the Instacart Mastercard®?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Amazon Visa — Full Review All Chase Cards

Instacart Mastercard® — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards