Instacart Mastercard®
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
- statement credit · Welcome Bonus
- $50
- Highest rate (conditional)
- Up to 5% (Instacart)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard World Elite
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Good to Excellent
Welcome Offer
Bonus: $50 statement credit
Earning Rates
- 5%
Instacart
5% cash back on Instacart.com and Instacart app purchases on first $6,000 spent annually, from 1,500+ retail brands and 80,000+ stores across 14,000+ cities in North America. After $6,000, reverts to 1%.
Cap: $6,000/annual
- 5%
Chase Travel
5% cash back on Chase Travel purchases, including flights, hotels and more
- 2%
Dining
2% cash back at restaurants, including orders on Instacart powered by Uber Eats
- 2%
Gas Stations
2% cash back at gas stations
- 2%
Streaming
2% cash back on select streaming services (Netflix, Hulu, Spotify, YouTube Premium/TV, HBO Max, Showtime, Disney+, Apple Music, etc.)
- 1%
All Other
1% cash back on all other purchases
Earning Scenarios
5% Cash Back on Instacart
Spending $500/month on Instacart groceries earns $300/year in cash back — essentially a 5% discount on your grocery delivery.
5% Cash Back on Chase Travel
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.
2% Cash Back at Restaurants
Spending $300/month dining out earns $72/year in cash back, including restaurant orders through Instacart powered by Uber Eats.
2% Cash Back at Gas Stations
Filling up at $60/week earns $62/year in cash back — doubling the standard 1% rate at most no-fee cards.
2% Cash Back on Streaming
Paying $50/month for Netflix, Hulu, Spotify, and Disney+ earns $12/year in cash back from select streaming services.
Benefits & Perks
Insurance & Protections
7 protectionsLost Luggage Reimbursement
$3,000
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.
$500/item purchase protection
$500
Covers eligible new purchases for 120 days against damage or theft, up to $500 per item.
Auto Rental Collision Damage Waiver
Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damag...
$500,000 travel accident coverage
$500,000
primary
Up to $500,000 in accidental death or dismemberment coverage when you pay for air, bus, train, or cruise transportation with your card.
Up to $300 baggage delay coverage
$300
secondary
Reimburses up to $100/day for 3 days for essential purchases when baggage is delayed 6+ hours by a passenger carrier.
Show all 7 protectionsShow fewer protections
Roadside Assistance
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.
Extended Warranty Protection
Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
Dining Out
2% cash back at restaurants
$2 back on a $100 dinner
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2%, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Reviews & Analysis
Third-Party Rankings & Ratings
3 sourcesHow It Compares
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.
The Math: Is $0 Worth It?
First-year value includes $50 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Purchase APR | 18.49%–27.99% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Video Reviews
8 videosNEW CREDIT CARD: Instacart Credit Card Review
The Instacart Mastercard Credit Card - Everything You Need To Know
Chase Instacart Credit Card Review | WORTH IT In 2024?!
Instacart Mastercard Review 2025 | Is It Worth It?
Instacart Credit Card Review 2026 – Is It Truly Worth Having?
Instacart Mastercard (Chase) – My Honest Review & Real User Experience with Grocery Rewards
Instacart Credit Card Review (2026): Smart Pick or Skip It?
Third-Party Articles & Reviews
Instacart Mastercard® Reviews: Is It Worth It? (2026)
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.
A Guide to the Instacart Mastercard®
Chase's official guide covering earn rates, redemption options, Instacart+ benefits, and card features.
Instacart Mastercard Review: Grocery Delivery Made More Rewarding
NerdWallet's full review covering the Instacart Mastercard's value proposition for grocery delivery users.
Instacart Mastercard® 2026 Review
Comprehensive review covering earn rates, welcome offer, pros/cons, and tips for maximizing rewards. Rates the card 4.8/5.
The Instacart Mastercard Debuts With a $200 Instacart Credit
CNBC Select's coverage of the Instacart Mastercard launch, featuring original welcome offer details and card positioning.
Instacart Mastercard — Full Review (2026)
Detailed review with pros/cons, alternative card comparisons (BCP, Capital One Savor), and best earning strategies. Rates 3.5/5.
New Instacart benefits available to select Chase cardholders
TPG coverage of Instacart benefits expanding to other Chase cards, including 3-month Instacart+ and $10 monthly credit.
Benefits of the Instacart Mastercard
NerdWallet's breakdown of Instacart Mastercard benefits including 5% cash back on Instacart, 2% on dining/gas/streaming, and card perks.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Chase | — | Chase |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Chase | — | Chase |
| Chase | — | Chase |
| Chase | Chase |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
