Is the Chase Sapphire Preferred Card worth the higher annual fee?

The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Instacart Mastercard®. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Instacart Mastercard® or Chase Sapphire Preferred Card?

The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Instacart Mastercard® have that the Chase Sapphire Preferred Card doesn't?

The Instacart Mastercard® focuses on earn rates, while the Chase Sapphire Preferred Card offers travel credits.

Should I get the Instacart Mastercard® or the Chase Sapphire Preferred Card?

Choose the Instacart Mastercard® if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Chase Sapphire Preferred Card worth the higher annual fee?

The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Instacart Mastercard®. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Instacart Mastercard® or Chase Sapphire Preferred Card?

The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Instacart Mastercard® have that the Chase Sapphire Preferred Card doesn't?

The Instacart Mastercard® focuses on earn rates, while the Chase Sapphire Preferred Card offers travel credits.

Should I get the Instacart Mastercard® or the Chase Sapphire Preferred Card?

Choose the Instacart Mastercard® if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Chase Sapphire Preferred Card worth the higher annual fee?

The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Instacart Mastercard®. The higher fee and travel credits that can offset the cost for frequent travelers.

Which card earns more rewards, the Instacart Mastercard® or Chase Sapphire Preferred Card?

The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Instacart Mastercard® have that the Chase Sapphire Preferred Card doesn't?

The Instacart Mastercard® focuses on earn rates, while the Chase Sapphire Preferred Card offers travel credits.

Should I get the Instacart Mastercard® or the Chase Sapphire Preferred Card?

Choose the Instacart Mastercard® if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

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.

Instacart Mastercard® vs Chase Sapphire Preferred Card

The Instacart Mastercard® ($0/yr) is better for everyday value, while the Chase Sapphire Preferred Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Instacart Mastercard®

Chase

Chase Sapphire Preferred Card

Chase

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

—

75,000 Flex point

Earn Rates

Category	Instacart Mastercard®	Chase Sapphire Preferred Card
Instacart	5X	1X
Dining

Category-by-Category Winner

The Chase Sapphire Preferred Card wins in 5 of 7 categories. The Instacart Mastercard® leads in 2.

Instacart

Instacart Mastercard® earns 5X vs 1X

Dining

Chase Sapphire Preferred Card earns 3X vs 2X

Gas Stations

Instacart Mastercard® earns 2X vs 1X

Streaming

Chase Sapphire Preferred Card earns 3X vs 2X

Online Groceries

Chase Sapphire Preferred Card earns 3X vs 1X

Grocery Delivery

Chase Sapphire Preferred Card earns 3X vs 1X

Travel

Chase Sapphire Preferred Card earns 2X vs 1X

Is the Fee Difference Worth It?

The Chase Sapphire Preferred Card costs $95/yr — that's $95 more than the Instacart Mastercard® (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.

The Chase Sapphire Preferred Card offers travel credits. Whether that justifies the fee depends on how often you use these benefits.

The $95 difference is small enough that the Chase Sapphire Preferred Card's extra perks make it worth considering for most cardholders.

The Bottom Line

The Instacart Mastercard® has a lower annual fee ($0 vs $95), making it the more accessible option.

The Chase Sapphire Preferred Card justifies its higher fee with premium perks like travel credits.

Choose the Instacart Mastercard® if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Preferred Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Chase Sapphire Preferred Card worth the higher annual fee?: The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Instacart Mastercard®. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Instacart Mastercard® or Chase Sapphire Preferred Card?: The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Instacart Mastercard® have that the Chase Sapphire Preferred Card doesn't?: The Instacart Mastercard® focuses on earn rates, while the Chase Sapphire Preferred Card offers travel credits.
Should I get the Instacart Mastercard® or the Chase Sapphire Preferred Card?: Choose the Instacart Mastercard® if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Preferred Amex Green vs Chase Sapphire Preferred Amex Platinum vs Chase Sapphire Preferred Capital One Venture vs Chase Sapphire Preferred

Explore More

Instacart Mastercard® — Full Review All Chase Cards

Chase Sapphire Preferred Card — 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.

Instacart Mastercard® vs Chase Sapphire Preferred Card

Instacart Mastercard®

Chase

Chase Sapphire Preferred Card

Chase

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

—

75,000 Flex point

Earn Rates

Category	Instacart Mastercard®	Chase Sapphire Preferred Card
Instacart	5X	1X
Dining

Category-by-Category Winner

The Chase Sapphire Preferred Card wins in 5 of 7 categories. The Instacart Mastercard® leads in 2.

Instacart

Instacart Mastercard® earns 5X vs 1X

Dining

Chase Sapphire Preferred Card earns 3X vs 2X

Gas Stations

Instacart Mastercard® earns 2X vs 1X

Streaming

Chase Sapphire Preferred Card earns 3X vs 2X

Online Groceries

Chase Sapphire Preferred Card earns 3X vs 1X

Grocery Delivery

Chase Sapphire Preferred Card earns 3X vs 1X

Travel

Chase Sapphire Preferred Card earns 2X vs 1X

Is the Fee Difference Worth It?

The Chase Sapphire Preferred Card offers travel credits. Whether that justifies the fee depends on how often you use these benefits.

The $95 difference is small enough that the Chase Sapphire Preferred Card's extra perks make it worth considering for most cardholders.

The Bottom Line

The Instacart Mastercard® has a lower annual fee ($0 vs $95), making it the more accessible option.

The Chase Sapphire Preferred Card justifies its higher fee with premium perks like travel credits.

Choose the Instacart Mastercard® if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Preferred Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Chase Sapphire Preferred Card worth the higher annual fee?: The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Instacart Mastercard®. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Instacart Mastercard® or Chase Sapphire Preferred Card?: The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Instacart Mastercard® have that the Chase Sapphire Preferred Card doesn't?: The Instacart Mastercard® focuses on earn rates, while the Chase Sapphire Preferred Card offers travel credits.
Should I get the Instacart Mastercard® or the Chase Sapphire Preferred Card?: Choose the Instacart Mastercard® if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Preferred Amex Green vs Chase Sapphire Preferred Amex Platinum vs Chase Sapphire Preferred Capital One Venture vs Chase Sapphire Preferred

Explore More

Instacart Mastercard® — Full Review All Chase Cards

Chase Sapphire Preferred Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Instacart Mastercard® vs Chase Sapphire Preferred Card

Instacart Mastercard®

Chase

Chase Sapphire Preferred Card

Chase

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

—

75,000 Flex point

Earn Rates

Category	Instacart Mastercard®	Chase Sapphire Preferred Card
Instacart	5X	1X
Dining

Category-by-Category Winner

The Chase Sapphire Preferred Card wins in 5 of 7 categories. The Instacart Mastercard® leads in 2.

Instacart

Instacart Mastercard® earns 5X vs 1X

Dining

Chase Sapphire Preferred Card earns 3X vs 2X

Gas Stations

Instacart Mastercard® earns 2X vs 1X

Streaming

Chase Sapphire Preferred Card earns 3X vs 2X

Online Groceries

Chase Sapphire Preferred Card earns 3X vs 1X

Grocery Delivery

Chase Sapphire Preferred Card earns 3X vs 1X

Travel

Chase Sapphire Preferred Card earns 2X vs 1X

Is the Fee Difference Worth It?

The Chase Sapphire Preferred Card offers travel credits. Whether that justifies the fee depends on how often you use these benefits.

The $95 difference is small enough that the Chase Sapphire Preferred Card's extra perks make it worth considering for most cardholders.

The Bottom Line

The Instacart Mastercard® has a lower annual fee ($0 vs $95), making it the more accessible option.

The Chase Sapphire Preferred Card justifies its higher fee with premium perks like travel credits.

Choose the Instacart Mastercard® if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Preferred Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Chase Sapphire Preferred Card worth the higher annual fee?: The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Instacart Mastercard®. The higher fee and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Instacart Mastercard® or Chase Sapphire Preferred Card?: The Chase Sapphire Preferred Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Instacart Mastercard® have that the Chase Sapphire Preferred Card doesn't?: The Instacart Mastercard® focuses on earn rates, while the Chase Sapphire Preferred Card offers travel credits.
Should I get the Instacart Mastercard® or the Chase Sapphire Preferred Card?: Choose the Instacart Mastercard® if you want lower fees and solid rewards. Pick the Chase Sapphire Preferred Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Chase Sapphire Preferred Amex Green vs Chase Sapphire Preferred Amex Platinum vs Chase Sapphire Preferred Capital One Venture vs Chase Sapphire Preferred

Explore More

Instacart Mastercard® — Full Review All Chase Cards

Chase Sapphire Preferred Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

✓Travel credit

✓Travel insurance

✓Purchase protection

Pros & Cons

Pros

—

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

Cons

—

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Instacart Mastercard® means losing:

-Annual travel credit
-Purchase protection
-Travel insurance

Which Card Is Right for You?

Get the Instacart Mastercard® if you:

+Want strong rewards without a large annual fee commitment

Get the Chase Sapphire Preferred Card if you:

+Travel enough to fully use annual credits and premium perks

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

✓Travel credit

✓Travel insurance

✓Purchase protection

Pros & Cons

Pros

—

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

Cons

—

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Instacart Mastercard® means losing:

-Annual travel credit
-Purchase protection
-Travel insurance

Which Card Is Right for You?

Get the Instacart Mastercard® if you:

+Want strong rewards without a large annual fee commitment

Get the Chase Sapphire Preferred Card if you:

+Travel enough to fully use annual credits and premium perks

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

✓Travel credit

✓Travel insurance

✓Purchase protection

Pros & Cons

Pros

—

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

Cons

—

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Instacart Mastercard® means losing:

-Annual travel credit
-Purchase protection
-Travel insurance

Which Card Is Right for You?

Get the Instacart Mastercard® if you:

+Want strong rewards without a large annual fee commitment

Get the Chase Sapphire Preferred Card if you:

+Travel enough to fully use annual credits and premium perks