Instacart Mastercard®: Groceries & More On Your Schedule
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Mastercard
- Regular purchase APR
- 19.74% to 28.49% Variable
At a glance
The Instacart Mastercard® is a cash back card that offers big savings on food and grocery deliveries. The no annual fee credit card from Chase earns 5% back on Instacart purchases, offers one-year free ofInstacart+ membership, and more.
Our review of the Instacart Mastercard®
The Instacart Mastercard® offers generous rewards and benefits for savvy shoppers. With up to 5% cash back on Instacart purchases, no foreign transaction fees, and World Elite Mastercard features, this no-annual-fee credit card is a must-have for frequent grocery and travel spenders.
How to Get the Card
Credit Score Needed: To qualify for the Instacart Mastercard, you’ll need a “good” to “excellent” credit score, starting at 670 according to FICO.
Application Requirements: Applicants must be 18 or older, have a U.S. mailing address, provide their SSN or ITIN, show proof of income, and maintain a FICO score above 670.
Complimentary Instacart+ Membership: New cardholders receive one year of Instacart+ membership for free, offering additional savings and benefits on a wide range of purchases.
Instacart Mastercard® Guide to Rewards
How to Earn Rewards: Earn 5% cash back on Instacart purchases, 5% on travel booked through Chase Travel℠ , 2% on restaurants, gas stations, and select streaming services, and 1% on all other purchases.
Cash Back Categories Explained: Understand the merchant categories that qualify for bonus cash back, including restaurants, gas stations, and select streaming services.
How to Redeem Cash Back: Redeem your rewards as a statement credit, direct deposit, towards free Instacart orders, gift cards, or travel through the Chase Travel Center.
World Mastercard Features
Enjoy a range of benefits and protections with the World Elite Mastercard network, including Zero Liability Protection, Airport Concierge, Cell Phone Protection, and more.
Delivery App Comparison
Compare the Instacart Mastercard to other popular credit cards like the Chase Freedom Unlimited and DoorDash Rewards Mastercard to find the best fit for your spending habits.
Pros & Cons
Discover the advantages and drawbacks of the Instacart Mastercard, including no annual fee, complimentary Instacart+ membership, and World Elite Mastercard protections.
What We Like About the Instacart Credit Card
Explore the broad delivery categories offered by Instacart and why the card is a great choice for those who rely on delivery services.
Things to Consider
Learn about the availability of Instacart in different locations and consider whether the card aligns with your shopping preferences.
Should You Apply for the Instacart Mastercard?
Overall, the Instacart Mastercard from Chase provides generous rewards and benefits for avid shoppers. Consider your spending habits and preferences to determine if this card is the right fit for you.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Best Offer: Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.
- Earn 5% cash back on Instacart app and Instacart.com purchases
- Earn 5% cash back on Chase Travel℠ purchases, including flights, hotels, and more
- Earn 2% cash back at restaurants, gas stations and on select streaming services
- Earn 1% cash back on all other purchases
- No annual card fee
Who this card may suit
- You get your groceries or food delivered through Instacart
- You have wanted to try out Instacart+
- You want a $100 Instacart credit to start chowing down today
- You do't want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 19.74% to 28.49% Variable |
| Balance Transfer APR | 19.74% to 28.49% Variable |
| Balance Transfer Transaction Fee | Either $5 or 5% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.74% Variable |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each transaction, whichever is greater |
| Penalty APR | Up to 29.99% Variable |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Instacart Mastercard®
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