Which card earns more rewards, the Instacart Mastercard® or IHG One Rewards Traveler Credit Card?

The IHG One Rewards Traveler Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Instacart Mastercard® or the IHG One Rewards Traveler Credit Card?

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 Instacart Mastercard® or IHG One Rewards Traveler Credit Card?

The IHG One Rewards Traveler Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Instacart Mastercard® or the IHG One Rewards Traveler Credit Card?

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 Instacart Mastercard® or IHG One Rewards Traveler Credit Card?

The IHG One Rewards Traveler Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Instacart Mastercard® or the IHG One Rewards Traveler Credit Card?

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

Instacart Mastercard® vs IHG One Rewards Traveler Credit Card

Both cards cost $0/yr. The Instacart Mastercard® is better for instacart, while the IHG One Rewards Traveler Credit Card wins on ihg hotels. Here's how they compare.

Instacart Mastercard®

Chase

IHG One Rewards Traveler Credit Card

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

120,000 Hotel

Earn Rates

Category	Instacart Mastercard®	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

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

—

+No annual fee with automatic Silver Elite status
+Fourth night free on reward stays of 4+ nights
+Strong 3x earning on utilities, streaming, gas, and restaurants
+2x earning on all other purchases (above-average base rate)
+Path to Gold Elite with $20,000 annual spend

Cons

—

−Silver Elite status provides minimal benefits
−Lower earning rate at IHG properties (5x vs 10x on Premier)
−No automatic elite night credits
−No annual free night certificate
−Modest 10,000 point welcome bonus

Category-by-Category Winner

The IHG One Rewards Traveler Credit Card wins in 6 of 7 categories. The Instacart Mastercard® leads in 1.

Instacart

Instacart Mastercard® 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

Which Card Is Right for You?

Get the IHG One Rewards Traveler Credit Card if you:

+Prefer a high flat rate across all spending

Frequently Asked Questions

Which card earns more rewards, the Instacart Mastercard® or IHG One Rewards Traveler Credit Card?: The IHG One Rewards Traveler Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Instacart Mastercard® or the IHG One Rewards Traveler Credit Card?: 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

Instacart Mastercard® — Full Review All Chase Cards

IHG One Rewards Traveler Credit 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 IHG One Rewards Traveler Credit Card

Both cards cost $0/yr. The Instacart Mastercard® is better for instacart, while the IHG One Rewards Traveler Credit Card wins on ihg hotels. Here's how they compare.

Instacart Mastercard®

Chase

IHG One Rewards Traveler Credit Card

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

120,000 Hotel

Earn Rates

Category	Instacart Mastercard®	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

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

—

+No annual fee with automatic Silver Elite status
+Fourth night free on reward stays of 4+ nights
+Strong 3x earning on utilities, streaming, gas, and restaurants
+2x earning on all other purchases (above-average base rate)
+Path to Gold Elite with $20,000 annual spend

Cons

—

−Silver Elite status provides minimal benefits
−Lower earning rate at IHG properties (5x vs 10x on Premier)
−No automatic elite night credits
−No annual free night certificate
−Modest 10,000 point welcome bonus

Category-by-Category Winner

The IHG One Rewards Traveler Credit Card wins in 6 of 7 categories. The Instacart Mastercard® leads in 1.

Instacart

Instacart Mastercard® 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

Which Card Is Right for You?

Get the IHG One Rewards Traveler Credit Card if you:

+Prefer a high flat rate across all spending

Frequently Asked Questions

Which card earns more rewards, the Instacart Mastercard® or IHG One Rewards Traveler Credit Card?: The IHG One Rewards Traveler Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Instacart Mastercard® or the IHG One Rewards Traveler Credit Card?: 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

Instacart Mastercard® — Full Review All Chase Cards

IHG One Rewards Traveler Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards

Instacart Mastercard® vs IHG One Rewards Traveler Credit Card

Both cards cost $0/yr. The Instacart Mastercard® is better for instacart, while the IHG One Rewards Traveler Credit Card wins on ihg hotels. Here's how they compare.

Instacart Mastercard®

Chase

IHG One Rewards Traveler Credit Card

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

120,000 Hotel

Earn Rates

Category	Instacart Mastercard®	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

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

—

+No annual fee with automatic Silver Elite status
+Fourth night free on reward stays of 4+ nights
+Strong 3x earning on utilities, streaming, gas, and restaurants
+2x earning on all other purchases (above-average base rate)
+Path to Gold Elite with $20,000 annual spend

Cons

—

−Silver Elite status provides minimal benefits
−Lower earning rate at IHG properties (5x vs 10x on Premier)
−No automatic elite night credits
−No annual free night certificate
−Modest 10,000 point welcome bonus

Category-by-Category Winner

The IHG One Rewards Traveler Credit Card wins in 6 of 7 categories. The Instacart Mastercard® leads in 1.

Instacart

Instacart Mastercard® 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

Which Card Is Right for You?

Get the IHG One Rewards Traveler Credit Card if you:

+Prefer a high flat rate across all spending

Frequently Asked Questions

Which card earns more rewards, the Instacart Mastercard® or IHG One Rewards Traveler Credit Card?: The IHG One Rewards Traveler Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Instacart Mastercard® or the IHG One Rewards Traveler Credit Card?: 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

Instacart Mastercard® — Full Review All Chase Cards

IHG One Rewards Traveler Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards