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.
Both cards cost $0/yr. The Instacart MastercardĀ® is better for instacart, while the IHG One Rewards Traveler Credit Card wins on ihg hotels. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Instacart MastercardĀ® | IHG One Rewards Traveler Credit Card |
|---|---|---|
| Ihg Hotels | 1X | 17X |
| Instacart | 5X | 2X |
| Dining | 2X | 3X |
| Gas Stations | 2X | 3X |
| Streaming | 2X | 3X |
| Utilities | 1X | 3X |
Network
Key Benefits
Pros
Cons
The IHG One Rewards Traveler Credit Card wins in 6 of 7 categories. The Instacart MastercardĀ® leads in 1.
Instacart
Instacart MastercardĀ® earns 5X vs 2X
Dining
IHG One Rewards Traveler Credit Card earns 3X vs 2X
Gas Stations
IHG One Rewards Traveler Credit Card earns 3X vs 2X
Streaming
IHG One Rewards Traveler Credit Card earns 3X vs 2X
Ihg Hotels
IHG One Rewards Traveler Credit Card earns 17X vs 1X
Utilities
IHG One Rewards Traveler Credit Card earns 3X vs 1X
Everyday purchases
IHG One Rewards Traveler Credit Card earns 2X on all other spending vs 1X
Get the IHG One Rewards Traveler Credit Card if you:
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.
Both cards cost $0/yr. The Instacart MastercardĀ® is better for instacart, while the IHG One Rewards Traveler Credit Card wins on ihg hotels. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Instacart MastercardĀ® | IHG One Rewards Traveler Credit Card |
|---|---|---|
| Ihg Hotels | 1X | 17X |
| Instacart | 5X | 2X |
| Dining | 2X | 3X |
| Gas Stations | 2X | 3X |
| Streaming | 2X | 3X |
| Utilities | 1X | 3X |
Network
Key Benefits
Pros
Cons
The IHG One Rewards Traveler Credit Card wins in 6 of 7 categories. The Instacart MastercardĀ® leads in 1.
Instacart
Instacart MastercardĀ® earns 5X vs 2X
Dining
IHG One Rewards Traveler Credit Card earns 3X vs 2X
Gas Stations
IHG One Rewards Traveler Credit Card earns 3X vs 2X
Streaming
IHG One Rewards Traveler Credit Card earns 3X vs 2X
Ihg Hotels
IHG One Rewards Traveler Credit Card earns 17X vs 1X
Utilities
IHG One Rewards Traveler Credit Card earns 3X vs 1X
Everyday purchases
IHG One Rewards Traveler Credit Card earns 2X on all other spending vs 1X
Get the IHG One Rewards Traveler Credit Card if you:
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.
Both cards cost $0/yr. The Instacart MastercardĀ® is better for instacart, while the IHG One Rewards Traveler Credit Card wins on ihg hotels. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Instacart MastercardĀ® | IHG One Rewards Traveler Credit Card |
|---|---|---|
| Ihg Hotels | 1X | 17X |
| Instacart | 5X | 2X |
| Dining | 2X | 3X |
| Gas Stations | 2X | 3X |
| Streaming | 2X | 3X |
| Utilities | 1X | 3X |
Network
Key Benefits
Pros
Cons
The IHG One Rewards Traveler Credit Card wins in 6 of 7 categories. The Instacart MastercardĀ® leads in 1.
Instacart
Instacart MastercardĀ® earns 5X vs 2X
Dining
IHG One Rewards Traveler Credit Card earns 3X vs 2X
Gas Stations
IHG One Rewards Traveler Credit Card earns 3X vs 2X
Streaming
IHG One Rewards Traveler Credit Card earns 3X vs 2X
Ihg Hotels
IHG One Rewards Traveler Credit Card earns 17X vs 1X
Utilities
IHG One Rewards Traveler Credit Card earns 3X vs 1X
Everyday purchases
IHG One Rewards Traveler Credit Card earns 2X on all other spending vs 1X
Get the IHG One Rewards Traveler Credit Card if you:
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.
| Everything Else | 1X | 2X |
| Everything Else | 1X | 2X |
| Everything Else | 1X | 2X |