Card database → Everyday Rewards+ (Elan) vs Instacart Mastercard
Everyday Rewards+ (Elan) vs Instacart Mastercard
Printed earn rates valued in cents per dollar, side by side — the same math the Credit Upside engine runs on every charge. Card data verified 2026-09-01.
| Category | Everyday Rewards+ (Elan) | Instacart Mastercard |
|---|---|---|
| Dining | 4.0¢/$ (4x) | 2.0¢/$ (2%) |
| Groceries | 2.0¢/$ (2x) | 1.0¢/$ (1%) 5% at Instacart only — not counted |
| Gas | 2.0¢/$ (2x) | 2.0¢/$ (2%) |
| Travel | 1.0¢/$ (1x) | 1.0¢/$ (1%) |
| Flights | 1.0¢/$ (1x) | 1.0¢/$ (1%) |
| Hotels | 1.0¢/$ (1x) | 1.0¢/$ (1%) |
| Streaming | 2.0¢/$ (2x) | 2.0¢/$ (2%) |
| Online retail | 1.0¢/$ (1x) | 1.0¢/$ (1%) |
| EV charging | 2.0¢/$ (2x) | 1.0¢/$ (1%) |
| Issuer travel portal | 1.0¢/$ (1x) | 5.0¢/$ (5%) |
| Everything else | 1.0¢/$ (1x) | 1.0¢/$ (1%) |
| Annual fee | None | None |
| Statement credits (max/yr) | $15 | — |
| Foreign transaction fee | 3% | None |
Everyday Rewards+ (Elan) wins more of the everyday categories (3 of 11), but Instacart Mastercard still wins where you might spend most — which card earns more depends entirely on where YOUR money goes.
Point values are Credit Upside's maintained mid-range estimates (points at 1.00¢). Caps, rotating categories and credit usage change the real answer — the app applies all of them to your actual statement.
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