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Instacart Mastercard card art
Chase · instacart

Instacart Mastercard

3.2 / 5
Cash back · Personal card

Instacart spending earns 5%, but only on the first $6,000 a year, with another 5% on Chase Travel bookings. Chase lists no travel or purchase protections on this card, so it is narrower than most Chase cash back products.

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At a glance

Welcome bonus
$50 cash
No spend requirement
Annual fee
$0
Purchase APR
18.24% to 27.74%
No intro APR
FX fee
None
Editorial

Our take

Instacart spending earns 5%, but only on the first $6,000 a year, with another 5% on Chase Travel bookings. Chase lists no travel or purchase protections on this card, so it is narrower than most Chase cash back products.

Verdict

Pros & cons

Pros

  • 5% back on Instacart on the first $6,000 a year
  • 5% back on Chase Travel bookings
  • $50 Instacart credit on approval with no spending requirement
  • No annual fee and no foreign transaction fees

Cons

  • The 5% Instacart rate is capped at $6,000 of spending a year
  • Chase lists no purchase, travel or rental car protections for this card
  • Only 1% back outside the bonus categories
Earnings

Earn rates

CategoryRateNotes
Instacart purchases5%5% total on the first $6,000 of qualifying Instacart.com and Instacart app purchases each year, including Instacart memberships and subscriptions. After $6,000 the rate drops to 1% with no maximum.·cap $6,000
Travel via Chase Travel5%Flights, hotels and other bookings made through Chase Travel.
Restaurants2%Includes restaurant orders on Instacart powered by Uber Eats, takeout and eligible delivery services.
Gas stations2%
Select streaming services2%Select streaming services.
All other purchases1%
Benefits

Key benefits

5% back on Instacart

5% total back on the first $6,000 of qualifying Instacart.com and Instacart app purchases each year, covering more than 1,500 retail brands, then 1% after the cap.

5% back on Chase Travel

5% back on flights, hotels, car rentals and other bookings made through Chase Travel.

$50 Instacart credit on approval

The credit is loaded to your Instacart account on approval, usually immediately but in some cases within 10 days. It cannot be used on restaurant orders, alcohol, gift cards, prescriptions, fees, taxes or tips.

Pay with Points at Instacart

Redeem points in the Instacart app or on instacart.com at one cent each, with no minimum balance, or take cash back as a statement credit or direct deposit.

No annual fee and no foreign transaction fees

The card carries no annual membership fee and no foreign transaction fee on purchases made outside the United States.

Fit

Who this is best for

  • Regular Instacart shoppers
  • People who book travel through Chase Travel
  • Anyone who wants a no-fee grocery-delivery card
FAQ

Frequently asked questions

What is the Instacart Mastercard welcome bonus?
Get a $50 Instacart credit automatically upon approval
Does the Instacart Mastercard charge an annual fee?
No. The Instacart Mastercard has a $0 annual fee.
Does the Instacart Mastercard have a foreign transaction fee?
No. The Instacart Mastercard charges no foreign transaction fee, so it works well for international purchases.
What APR does the Instacart Mastercard charge?
The purchase APR is 18.24% to 27.74% variable.
Who is the Instacart Mastercard best for?
Regular Instacart shoppers. People who book travel through Chase Travel. Anyone who wants a no-fee grocery-delivery card.
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Rates accurate as of September 4, 2026. Issuer terms.