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Best Credit Cards for Instacart

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

CardRewards.ai helps you find the best credit card for your spending with data-driven recommendations, side-by-side comparisons, and expert analysis.

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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.

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Best Credit Cards for Instacart

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

Resolved as:InstacartCached
85%
106 matches847ms

Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank

Instacart Mastercard®
1

Instacart Mastercard®

Chase

5% cash back on Instacart

Why this card

  1. 1.5% cash back on instacart ($300/yr on $6,000 spend)

No annual fee

Your spend ($6,000) is 100% of the $6,000 annual cap

MASTERCARDCore Rate
5.0¢
per dollar on instacart
No annual fee
Annual rewards$300
Net annual value$300

Bonus rate on first $6,000/annual, then base rate

2

Bilt Palladium Card

Cardless

2x Bilt Rewards on Instacart
2x × 2.2¢/pt = 4.4¢ per dollar

Why this card

    $300 in credits offset the $495 fee

    MASTERCARD
    4.4¢
    per dollar on instacart
    $495/yr($300 in credits)
    Annual rewards$264.00
    + Credits$300
    − Annual fee$495
    Net annual value$69
    3

    Capital One Venture X Rewards Credit Card

    Capital One

    2x Venture Miles on Instacart
    2x × 1.9¢/pt = 3.7¢ per dollar

    Why this card

      $315 in credits offset the $395 fee

      VISA
      3.7¢
      per dollar on instacart
      $395/yr($315 in credits)
      Annual rewards$222
      + Credits$315
      − Annual fee$395
      Net annual value$142
      Citi Strata Elite℠ Card
      4

      Citi Strata Elite℠ Card

      Citi

      1.5x ThankYou Points on Instacart
      1.5x × 1.6¢/pt = 2.4¢ per dollar

      Why this card

      1. 1.$30/yr Instacart+ Savings

      $762.50 in credits fully offsets the $595 fee

      MASTERCARD
      2.4¢
      per dollar on instacart
      $595/yr($762.50 in credits)
      Annual rewards$144
      + Credits$762.50
      − Annual fee$595
      Net annual value$311.50
      British Airways Visa Signature® Credit Card
      5

      British Airways Visa Signature® Credit Card

      Chase

      1x British Airways Club on Instacart
      1x × 1.0¢/pt = 1.0¢ per dollar

      Why this card

      1. 1.$60/yr $10 Monthly Instacart Credit
      2. 2.3-Month Instacart+ Membership

      $300 in credits fully offsets the $95 fee

      VISA
      1.0¢
      per dollar on instacart
      $95/yr($300 in credits)
      Annual rewards$60
      + Credits$300
      − Annual fee$95
      Net annual value$265
      6

      One Key+ Card

      Wells Fargo

      2% cash back on Instacart

      Why this card

      1. 1.$30/yr Instacart+ Savings
      MASTERCARD
      2.0¢
      per dollar on instacart
      $99/yr
      Annual rewards$120
      − Annual fee$99
      Net annual value$21
      BJ's One+™ Mastercard®
      7

      BJ's One+™ Mastercard®

      Capital One

      2% cash back on Instacart

      Why this card

      1. 1.$30/yr Instacart+ Savings

      No annual fee

      MASTERCARD
      2.0¢
      per dollar on instacart
      No annual fee
      Annual rewards$120
      Net annual value$120
      8

      The Platinum Card from American Express

      Amex

      1x Membership Rewards on Instacart
      1x × 1.5¢/pt = 1.5¢ per dollar

      Why this card

        $1,397 in credits fully offsets the $895 fee

        AMEX
        1.5¢
        per dollar on instacart
        $895/yr($1,397 in credits)
        Annual rewards$90
        + Credits$1,397
        − Annual fee$895
        Net annual value$592
        Bilt Obsidian Card
        9

        Bilt Obsidian Card

        Cardless

        1x Bilt Rewards on Instacart
        1x × 2.2¢/pt = 2.2¢ per dollar

        Why this card

        1. 1.$30/yr Instacart+ Savings

        $20 in credits offset the $95 fee

        MASTERCARD
        2.2¢
        per dollar on instacart
        $95/yr($20 in credits)
        Annual rewards$132.00
        + Credits$20
        − Annual fee$95
        Net annual value$57.00
        U.S. Bank Smartly Visa Signature Card
        10

        U.S. Bank Smartly Visa Signature Card

        Usbank

        2% cash back on Instacart

        Why this card

          No annual fee

          VISA
          2.0¢
          per dollar on instacart
          No annual fee
          Annual rewards$120
          Net annual value$120
          Chase Sapphire Reserve
          11

          Chase Sapphire Reserve

          Chase

          1x Ultimate Rewards on Instacart
          1x × 1.8¢/pt = 1.8¢ per dollar

          Why this card

            $960 in credits fully offsets the $795 fee

            VISA
            1.8¢
            per dollar on instacart
            $795/yr($960 in credits)
            Annual rewards$108
            + Credits$960
            − Annual fee$795
            Net annual value$273
            12

            SoFi Credit Card

            Sofi

            2% cash back on Instacart

            Why this card

              No annual fee

              MASTERCARD
              2.0¢
              per dollar on instacart
              No annual fee
              Annual rewards$120
              Net annual value$120
              Wells Fargo Active Cash Card
              13

              Wells Fargo Active Cash Card

              Wells Fargo

              2% cash back on Instacart
              Up to 3.2¢/$ (1.6¢/pt)via Choice Privileges

              Why this card

              1. 1.Up to 1.6¢/pt via Choice Privileges

              No annual fee

              VISA
              2.0¢
              per dollar on instacart
              No annual fee
              Annual rewards$120
              Net annual value$120
              14

              TD Double Up Credit Card

              Td Bank

              2% cash back on Instacart

              Why this card

                No annual fee

                VISA
                2.0¢
                per dollar on instacart
                No annual fee
                Annual rewards$120
                Net annual value$120
                Fidelity Rewards Visa Signature Card
                15

                Fidelity Rewards Visa Signature Card

                Elan Financial

                2% cash back on Instacart

                Why this card

                  No annual fee

                  VISA
                  2.0¢
                  per dollar on instacart
                  No annual fee
                  Annual rewards$120
                  Net annual value$120
                  Capital One VentureOne Rewards Credit Card
                  16

                  Capital One VentureOne Rewards Credit Card

                  Capital One

                  1.25x Venture Miles on Instacart
                  1.25x × 1.9¢/pt = 2.3¢ per dollar

                  Why this card

                    No annual fee

                    MASTERCARD
                    2.3¢
                    per dollar on instacart
                    No annual fee
                    Annual rewards$138.75
                    Net annual value$138.75
                    Bilt Blue Card
                    17

                    Bilt Blue Card

                    Cardless

                    1x Bilt Rewards on Instacart
                    1x × 2.2¢/pt = 2.2¢ per dollar

                    Why this card

                      No annual fee

                      MASTERCARD
                      2.2¢
                      per dollar on instacart
                      No annual fee
                      Annual rewards$132.00
                      Net annual value$132.00
                      Rakuten American Express Card
                      18

                      Rakuten American Express Card

                      First Electronic Bank

                      1% cash back on Instacart

                      Convertible Cash Back — 1.0–2.0¢/$

                      This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

                      Why this card

                      1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

                      No annual fee

                      AMEXConvertible
                      1.0–2.0¢
                      per dollar on instacart
                      depending on redemption
                      No annual fee
                      Annual rewards$94
                      Net annual value$94
                      Citi Strata Premier Card
                      19

                      Citi Strata Premier Card

                      Citi

                      1x ThankYou Points on Instacart
                      1x × 1.6¢/pt = 1.6¢ per dollar

                      Why this card

                      1. 1.$30/yr Instacart+ Savings

                      $50 in credits offset the $95 fee

                      MASTERCARD
                      1.6¢
                      per dollar on instacart
                      $95/yr($50 in credits)
                      Annual rewards$96
                      + Credits$50
                      − Annual fee$95
                      Net annual value$51
                      Synchrony Premier Mastercard
                      20

                      Synchrony Premier Mastercard

                      Synchrony

                      2% cash back on Instacart

                      Why this card

                        No annual fee

                        MASTERCARD
                        2.0¢
                        per dollar on instacart
                        No annual fee
                        Annual rewards$120
                        Net annual value$120
                        Citi Double Cash Card
                        21

                        Citi Double Cash Card

                        Citi

                        2% cash back on Instacart

                        Why this card

                          No annual fee

                          MASTERCARD
                          2.0¢
                          per dollar on instacart
                          No annual fee
                          Annual rewards$120
                          Net annual value$120
                          Capital One Quicksilver Cash Rewards Credit Card
                          22

                          Capital One Quicksilver Cash Rewards Credit Card

                          Capital One

                          1.5% cash back on Instacart

                          Why this card

                          1. 1.$30/yr Instacart+ Savings

                          No annual fee

                          MASTERCARD
                          1.5¢
                          per dollar on instacart
                          No annual fee
                          Annual rewards$90
                          Net annual value$90
                          Chase Sapphire Preferred Card
                          23

                          Chase Sapphire Preferred Card

                          Chase

                          1x Ultimate Rewards on Instacart
                          1x × 1.8¢/pt = 1.8¢ per dollar

                          Why this card

                            $134 in credits fully offsets the $95 fee

                            VISA
                            1.8¢
                            per dollar on instacart
                            $95/yr($134 in credits)
                            Annual rewards$108
                            + Credits$134
                            − Annual fee$95
                            Net annual value$147
                            Chase Freedom Flex
                            24

                            Chase Freedom Flex

                            Chase

                            1% cash back on Instacart

                            Why this card

                            1. 1.$30/yr Instacart+ Savings

                            No annual fee

                            MASTERCARD
                            1.0¢
                            per dollar on instacart
                            No annual fee($30 in credits)
                            Annual rewards$60
                            + Credits$30
                            Net annual value$90
                            Bass Pro Shops® CLUB Card
                            25

                            Bass Pro Shops® CLUB Card

                            Capital One

                            1% cash back on Instacart

                            Why this card

                            1. 1.$72/yr Instacart+ Membership and Monthly Discount

                            No annual fee

                            MASTERCARD
                            1.0¢
                            per dollar on instacart
                            No annual fee($15 in credits)
                            Annual rewards$60
                            + Credits$15
                            Net annual value$75
                            Bank of America® Unlimited Cash Rewards Secured
                            26

                            Bank of America® Unlimited Cash Rewards Secured

                            Bank Of America

                            1.5% cash back on Instacart

                            Why this card

                            1. 1.1.5% cash back on instacart ($90/yr on $6,000 spend)

                            No annual fee

                            VISACore Rate
                            1.5¢
                            per dollar on instacart
                            No annual fee
                            Annual rewards$90
                            Net annual value$90
                            Discover it® Miles
                            27

                            Discover it® Miles

                            Discover

                            1.5x Cashback on Instacart
                            1.5x × 1.0¢/pt = 1.5¢ per dollar

                            Why this card

                              No annual fee

                              DISCOVER
                              1.5¢
                              per dollar on instacart
                              No annual fee
                              Annual rewards$90
                              Net annual value$90
                              Bank of America® Travel Rewards
                              28

                              Bank of America® Travel Rewards

                              Bank Of America

                              1.5x Bank of America Points on Instacart
                              1.5x × 1.0¢/pt = 1.5¢ per dollar

                              Why this card

                                No annual fee

                                VISA
                                1.5¢
                                per dollar on instacart
                                No annual fee
                                Annual rewards$90
                                Net annual value$90
                                Navy Federal Visa cashRewards Card
                                29

                                Navy Federal Visa cashRewards Card

                                Navy Federal

                                1.5% cash back on Instacart

                                Why this card

                                  No annual fee

                                  VISA
                                  1.5¢
                                  per dollar on instacart
                                  No annual fee
                                  Annual rewards$90
                                  Net annual value$90
                                  30

                                  MGM Rewards World Elite Mastercard®

                                  Fnbo

                                  1x MGM Rewards on Instacart
                                  1x × 1.0¢/pt = 1.0¢ per dollar

                                  Why this card

                                  1. 1.$30/yr Instacart+ Savings

                                  No annual fee

                                  MASTERCARD
                                  1.0¢
                                  per dollar on instacart
                                  No annual fee
                                  Annual rewards$60
                                  Net annual value$60