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Instacart Mastercard Review | U.S. News | Credit Cards

Frequent Instacart shoppers may find value with the Instacart Mastercard®. Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply. In addition, cardholders earn 5% cash back on Instacart app and Instacart.com purchases, and on travel purchased through the Chase Travel Center. Earn 2% cash back at restaurants, gas stations and on select streaming services. Earn 1% cash back on all other purchases. Rewards can be redeemed for Instacart orders, cash back or travel.

  • Issuer NameChase
  • Credit NeededGood, Excellent
  • Annual Fee$0
  • Regular APR20.24% – 28.99% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each balance transfer, whichever is greater.
  • Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0

On Chase’s Secure Website.

  • Frequently use Instacart.
  • Prefer not to pay an annual fee.
  • Plan to pay off your balance in full each month.

With a sign-up bonus that’s earned on approval and 5% cash back on Instacart, all you have to do to make the most of this card is use it for Instacart purchases. You can also use it for Chase Travel purchases to earn 5% cash back. Cardholders can also earn 2% cash back at restaurants, gas stations and on select streaming services, plus earn 1% cash back on all other purchases.

This card doesn’t have a 0% introductory annual percentage rate on purchases or balance transfers, so plan to pay off your statement balance each month to avoid paying the 20.24% to 28.99% variable APR.

It’s a good idea to take advantage of the free Instacart+ membership in the first year. But if you don’t want to pay the annual $0 fee, make sure to cancel your membership before it automatically renews.

Editor’s Take

If you frequently make purchases with Instacart, the Instacart Mastercard® can offer savings. Since you earn 5% cash back on Instacart app and Instacart.com purchases, and on travel purchased through the Chase Travel Center, that’s essentially a 5% discount. And with your automatic Instacart+ membership, you won’t pay delivery fees for Instacart orders over $35 in your first year. Beyond Instacart, this card sweetens the deal with 5% cash back on travel purchased through Chase Travel, plus earn 2% cash back at restaurants, gas stations and on select streaming services and earn 1% cash back on all other purchases.

Jessica MerrittContributor

Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.

Using the Instacart Mastercard® for Instacart or Chase Travel purchases is the best way to earn 5% cash back on Instacart app and Instacart.com purchases, and on travel purchased through the Chase Travel Center. Earn 2% cash back at restaurants, gas stations and on select streaming services. Earn 1% cash back on all other purchases. You can redeem rewards earned on this card for Instacart orders, cash back or travel, including flights, hotels and car rentals.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

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Sarah Goldberg
Sarah Goldberg

Sarah is a seasoned financial market expert with a decade of experience. She's known for her analytical skills, attention to detail, and ability to communicate complex financial concepts. She holds a Bachelor's degree in Finance, is a licensed financial advisor, and enjoys reading and traveling in her free time.

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