Which card earns more rewards, the Instacart Mastercard® or United Gateway Card?

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

What benefits does the Instacart Mastercard® have that the United Gateway Card doesn't?

The Instacart Mastercard® focuses on earn rates, while the United Gateway Card offers travel credits.

Should I get the Instacart Mastercard® or the United Gateway 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 United Gateway Card?

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

What benefits does the Instacart Mastercard® have that the United Gateway Card doesn't?

The Instacart Mastercard® focuses on earn rates, while the United Gateway Card offers travel credits.

Should I get the Instacart Mastercard® or the United Gateway 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 United Gateway Card?

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

What benefits does the Instacart Mastercard® have that the United Gateway Card doesn't?

The Instacart Mastercard® focuses on earn rates, while the United Gateway Card offers travel credits.

Should I get the Instacart Mastercard® or the United Gateway 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 United Gateway Card

Both cards cost $0/yr. The Instacart Mastercard® is better for instacart, while the United Gateway Card wins on united purchases. Here's how they compare.

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

30,000 Airline

Earn Rates

Category	Instacart Mastercard®	United Gateway Card
Instacart	5X	1X
Dining	2X	1X
Gas Stations	2X	2X
Ridesharing	1X	2X
Streaming	2X	1X
Tolls	1X	2X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

✓Travel credit

✓Travel insurance

Pros & Cons

Pros

—

+No annual fee ever
+No foreign transaction fees
+2x miles on United purchases, gas stations, and local transit/rideshare
+25% back on United inflight purchases and Club premium drinks
+0% intro APR for 12 months on purchases

Cons

—

−No automatic free checked bags (must spend $10K to unlock)
−No priority boarding
−Lower earn rates than premium United cards (2x vs 3x/4x on United)
−No Global Entry/TSA PreCheck credit
−No annual travel credits

Category-by-Category Winner

The United Gateway Card wins in 5 of 8 categories. The Instacart Mastercard® leads in 3.

Instacart

Instacart Mastercard® earns 5X vs 1X

Dining

Instacart Mastercard® earns 2X vs 1X

Streaming

Instacart Mastercard® earns 2X vs 1X

United Purchases

United Gateway Card earns 2X vs 1X

Ridesharing

United Gateway Card earns 2X vs 1X

Tolls

United Gateway Card earns 2X vs 1X

Transit

United Gateway Card earns 2X vs 1X

United Airlines

United Gateway Card earns 2X vs 1X

What You Give Up

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

Choosing Instacart Mastercard® means losing:

Annual travel credit

Frequently Asked Questions

Which card earns more rewards, the Instacart Mastercard® or United Gateway Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Instacart Mastercard® have that the United Gateway Card doesn't?: The Instacart Mastercard® focuses on earn rates, while the United Gateway Card offers travel credits.
Should I get the Instacart Mastercard® or the United Gateway 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

United Gateway 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 United Gateway Card

Both cards cost $0/yr. The Instacart Mastercard® is better for instacart, while the United Gateway Card wins on united purchases. Here's how they compare.