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.
The Instacart MastercardĀ® ($0/yr) is better for everyday value, while the United Quest Card ($300/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Instacart MastercardĀ® | United Quest Card |
|---|---|---|
| Instacart | 5X | 1X |
| United Airlines |
The United Quest Card wins in 3 of 5 categories. The Instacart MastercardĀ® leads in 2.
Instacart
Instacart MastercardĀ® earns 5X vs 1X
Gas Stations
Instacart MastercardĀ® earns 2X vs 1X
United Purchases
United Quest Card earns 3X vs 1X
United Airlines
United Quest Card earns 3X vs 1X
Travel
United Quest Card earns 2X vs 1X
The United Quest Card costs $300/yr ā that's $300 more than the Instacart MastercardĀ® (no annual fee). To justify that gap, you need to extract at least $300 in annual value from the card's higher earn rates and benefits.
The United Quest Card offers travel credits, free checked bags. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $300 gap is significant. Choose the United Quest Card only if you spend heavily on united purchases and united airlines and will use its premium benefits regularly ā otherwise the Instacart MastercardĀ® delivers strong value at a fraction of the cost.
Choosing one card means missing out on these benefits from the other.
Choosing Instacart MastercardĀ® means losing:
The Instacart MastercardĀ® has a lower annual fee ($0 vs $300), making it the more accessible option.
The United Quest Card justifies its higher fee with premium perks like travel credits.
Choose the Instacart MastercardĀ® if you want solid rewards with a lower cost of entry. Choose the United Quest Card if you travel frequently and can maximize its premium benefits.
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.
The Instacart MastercardĀ® ($0/yr) is better for everyday value, while the United Quest Card ($300/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Instacart MastercardĀ® | United Quest Card |
|---|---|---|
| Instacart | 5X | 1X |
| United Airlines |
The United Quest Card wins in 3 of 5 categories. The Instacart MastercardĀ® leads in 2.
Instacart
Instacart MastercardĀ® earns 5X vs 1X
Gas Stations
Instacart MastercardĀ® earns 2X vs 1X
United Purchases
United Quest Card earns 3X vs 1X
United Airlines
United Quest Card earns 3X vs 1X
Travel
United Quest Card earns 2X vs 1X
The United Quest Card costs $300/yr ā that's $300 more than the Instacart MastercardĀ® (no annual fee). To justify that gap, you need to extract at least $300 in annual value from the card's higher earn rates and benefits.
The United Quest Card offers travel credits, free checked bags. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $300 gap is significant. Choose the United Quest Card only if you spend heavily on united purchases and united airlines and will use its premium benefits regularly ā otherwise the Instacart MastercardĀ® delivers strong value at a fraction of the cost.
Choosing one card means missing out on these benefits from the other.
Choosing Instacart MastercardĀ® means losing:
The Instacart MastercardĀ® has a lower annual fee ($0 vs $300), making it the more accessible option.
The United Quest Card justifies its higher fee with premium perks like travel credits.
Choose the Instacart MastercardĀ® if you want solid rewards with a lower cost of entry. Choose the United Quest Card if you travel frequently and can maximize its premium benefits.
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.
The Instacart MastercardĀ® ($0/yr) is better for everyday value, while the United Quest Card ($300/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Instacart MastercardĀ® | United Quest Card |
|---|---|---|
| Instacart | 5X | 1X |
| United Airlines |
The United Quest Card wins in 3 of 5 categories. The Instacart MastercardĀ® leads in 2.
Instacart
Instacart MastercardĀ® earns 5X vs 1X
Gas Stations
Instacart MastercardĀ® earns 2X vs 1X
United Purchases
United Quest Card earns 3X vs 1X
United Airlines
United Quest Card earns 3X vs 1X
Travel
United Quest Card earns 2X vs 1X
The United Quest Card costs $300/yr ā that's $300 more than the Instacart MastercardĀ® (no annual fee). To justify that gap, you need to extract at least $300 in annual value from the card's higher earn rates and benefits.
The United Quest Card offers travel credits, free checked bags. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $300 gap is significant. Choose the United Quest Card only if you spend heavily on united purchases and united airlines and will use its premium benefits regularly ā otherwise the Instacart MastercardĀ® delivers strong value at a fraction of the cost.
Choosing one card means missing out on these benefits from the other.
Choosing Instacart MastercardĀ® means losing:
The Instacart MastercardĀ® has a lower annual fee ($0 vs $300), making it the more accessible option.
The United Quest Card justifies its higher fee with premium perks like travel credits.
Choose the Instacart MastercardĀ® if you want solid rewards with a lower cost of entry. Choose the United Quest Card if you travel frequently and can maximize its premium benefits.
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.
| 3X |
| United Purchases | 1X | 3X |
| Dining | 2X | 2X |
| Gas Stations | 2X | 1X |
| Streaming | 2X | 2X |
| Travel | 1X | 2X |
Network
Key Benefits
Pros
Cons
Get the Instacart MastercardĀ® if you:
Get the United Quest Card if you:
| 3X |
| United Purchases | 1X | 3X |
| Dining | 2X | 2X |
| Gas Stations | 2X | 1X |
| Streaming | 2X | 2X |
| Travel | 1X | 2X |
Network
Key Benefits
Pros
Cons
Get the Instacart MastercardĀ® if you:
Get the United Quest Card if you:
| 3X |
| United Purchases | 1X | 3X |
| Dining | 2X | 2X |
| Gas Stations | 2X | 1X |
| Streaming | 2X | 2X |
| Travel | 1X | 2X |
Network
Key Benefits
Pros
Cons
Get the Instacart MastercardĀ® if you:
Get the United Quest Card if you: