Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
5% cash back on Instacart and Chase Travel with $0 annual fee
Earn 5% cash back on Instacart purchases (up to $6,000/year) and Chase Travel bookings, plus 2% at restaurants, gas stations, and streaming services — all with no annual fee. New cardmembers get a $50 Instacart credit on approval.
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Cash
Credit Required
Good to Excellent
Bonus: $50 statement credit
Spending $500/month on Instacart groceries earns $300/year in cash back — essentially a 5% discount on your grocery delivery.
Book a $2,000 family vacation through Chase Travel and earn $100 back — the same rate as premium travel cards charging $95-$695 annual fees.
Spending $300/month dining out earns $72/year in cash back, including restaurant orders through Instacart powered by Uber Eats.
Filling up at $60/week earns $62/year in cash back — doubling the standard 1% rate at most no-fee cards.
Paying $50/month for Netflix, Hulu, Spotify, and Disney+ earns $12/year in cash back from select streaming services.
Benefits & Perks
Reviews & Analysis
The Instacart Mastercard is a no-annual-fee cash back card earning 5% on Instacart purchases (capped at $6,000/year) and Chase Travel, 2% on dining/gas/streaming, and 1% on everything else. The $50 approval credit makes it strong for regular Instacart shoppers.
Details & Terms
| Purchase APR | 18.24%–27.74% (Variable) |
| Foreign Transaction Fee | $0 |
Up to 5X (Instacart)
Highest rate (conditional)
Combined Protection Value
$503,800
If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Covers eligible new purchases for 120 days against damage or theft, up to $500 per item.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damag...
Up to $500,000 in accidental death or dismemberment coverage when you pay for air, bus, train, or cruise transportation with your card.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
NerdWallet's full review covering the Instacart Mastercard's value proposition for grocery delivery users.
In-depth review with editor rating 4.5/5, market comparison 3.7/5. Covers Instacart+ value, APR analysis, credit score requirements, and detailed Q&A section.
Chase's official guide covering earn rates, redemption options, Instacart+ benefits, and card features.
Comprehensive review covering earn rates, welcome offer, pros/cons, and tips for maximizing rewards. Rates the card 4.8/5.
NerdWallet's breakdown of Instacart Mastercard benefits including 5% cash back on Instacart, 2% on dining/gas/streaming, and card perks.
TPG coverage of Instacart benefits expanding to other Chase cards, including 3-month Instacart+ and $10 monthly credit.
Detailed review with pros/cons, alternative card comparisons (BCP, Capital One Savor), and best earning strategies. Rates 3.5/5.
CNBC Select's coverage of the Instacart Mastercard launch, featuring original welcome offer details and card positioning.
| Source | Verified | Citation |
|---|---|---|
| Chase | — | Chase |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Chase | — | Chase |
| Chase | — | Chase |
Reimburses up to $100/day for 3 days for essential purchases when baggage is delayed 6+ hours by a passenger carrier.
If you have a roadside emergency, call the Benefit Administrator to dispatch the help you need. Roadside service fees will be billed to your card.
Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
