Which card earns more rewards, the Chase Freedom Unlimited or Instacart Mastercard®?

The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Chase Freedom Unlimited 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 Chase Freedom Unlimited or Instacart Mastercard®?

The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Chase Freedom Unlimited 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 Chase Freedom Unlimited or Instacart Mastercard®?

The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Chase Freedom Unlimited 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.

Chase Freedom Unlimited vs Instacart Mastercard®

Both cards cost $0/yr. The Chase Freedom Unlimited is better for travel, while the Instacart Mastercard® wins on instacart. Here's how they compare.

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

—

Earn Rates

Category	Chase Freedom Unlimited	Instacart Mastercard®
Instacart	1.5X	5X
Dining	3X	2X
Drugstores	3X	1X
Gas Stations	1.5X	2X
Streaming	1.5X	2X
Everything Else	1.5X	1X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+1.5% cash back on every purchase with no caps or categories
+5% on Chase Travel, 3% on dining and drugstores
+$200 bonus after $500 spend in 3 months
+0% intro APR for 15 months on purchases and balance transfers
+$0 annual fee with Visa Signature benefits

—

Cons

−3% foreign transaction fee
−1.5% base rate lower than Freedom Flex's 5% rotating categories
−Points worth only 1 cent without Sapphire card pairing
−No premium travel insurance or lounge access
−Lower welcome bonus than Sapphire cards

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Category-by-Category Winner

Both cards win in 3 categories each — it comes down to which categories matter most to you.

Dining

Chase Freedom Unlimited earns 3X vs 2X

Drugstores

Chase Freedom Unlimited earns 3X vs 1X

Instacart

Instacart Mastercard® earns 5X vs 1.5X

Gas Stations

Instacart Mastercard® earns 2X vs 1.5X

Streaming

Instacart Mastercard® earns 2X vs 1.5X

Everyday purchases

Chase Freedom Unlimited earns 1.5X on all other spending vs 1X

Which Card Is Right for You?

Get the Chase Freedom Unlimited if you:

+Prefer a high flat rate across all spending

Frequently Asked Questions

Which card earns more rewards, the Chase Freedom Unlimited or Instacart Mastercard®?: The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Chase Freedom Unlimited 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.

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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.

Chase Freedom Unlimited vs Instacart Mastercard®

Both cards cost $0/yr. The Chase Freedom Unlimited is better for travel, while the Instacart Mastercard® wins on instacart. Here's how they compare.