Instacart Mastercard
Chase · MASTERCARD
The Instacart Mastercard is a credit card from Chase on the MASTERCARD network. It has an annual fee of $0. It earns 2% on dining & restaurants, 1% on everything else. The welcome offer is Get a $50 Instacart credit automatically upon approval.
Key facts
- Annual fee
- $0
- Purchase APR
- 18.24% - 27.74% variable APR
- Network
- MASTERCARD
- Welcome offer
- Get a $50 Instacart credit automatically upon approval
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Dining & restaurants | 2% | 2% on restaurants |
| Everything else | 1% | 1% on all other purchases |
Benefits and perks
- Turn everyday shopping into everyday rewards. Earn 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually, 5% cash back on Chase Travel purchases, and 2% cash back at restaurants, gas stations, and on select streaming services.
- Get a $50 Instacart credit automatically upon approval
- NEW CARDMEMBER OFFER Get a $50 Instacart credit automatically upon approval * Credit will be automatically loaded into your Instacart.com account upon the approval of your credit card application. This credit card is available to you if you do not currently have the Instacart Mastercard. This credit card or new cardmember offers may not be available to you if you previously had the Instacart Mastercard. See Offer Details. *
- EARN CASH BACK 5% Cash Back on qualifying Instacart.com and Instacart app purchases on your first $6,000 spent annually, from more than 1,500 retail brands and 80,000+ stores across 14,000+ cities in North America. *
- EARN CASH BACK 5% Cash Back on Chase Travel purchases, including flights, hotels and more. *
- EARN CASH BACK 2% Cash Back at restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services. * Plus, 1% cash back on all other purchases. *
- ANNUAL FEE No annual card fee
Rates and fees
Annual membership fee: $0. Purchase APR: 18.24% - 27.74% variable APR, based on creditworthiness and the Prime Rate.
Rates and fees as published by the issuer and recorded on 7 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the Instacart Mastercard
What is the annual fee on the Instacart Mastercard?
The Instacart Mastercard has an annual fee of $0.
What rewards does the Instacart Mastercard earn?
The Instacart Mastercard earns 2% on dining & restaurants, 1% on everything else.
Is the Instacart Mastercard worth it?
The Instacart Mastercard is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
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