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Instacart Mastercard® Review: Solid Rewards for Instacart Lovers

Instacart Mastercard® review
  • The Instacart Mastercard® comes with a welcome bonus that includes a $100 Instacart credit and complimentary Instacart+ membership for a year.
  • What we think: If you use Instacart frequently to minimize the hassle of grocery shopping, the 5% back, $100 intro credit, and free year of Instacart+ that comes with the Instacart Mastercard® could be very beneficial. 
  • This card does not have an annual fee.
  • You can earn 5% cash back on Instacart purchases and travel purchases through Chase Travel℠ with this card.
  • You earn 2% cash back on gas, grocery and select streaming purchases and 1% cash back on everything else.

Note: This article contains information on the Instacart Mastercard®, currently unavailable on LA Times Compare. The information about the Instacart Mastercard® has been collected independently by LA Times Compare and has not been reviewed by the card issuer.


The Instacart Mastercard® is a branded cash-back credit card that offers perks aimed at Instacart loyalists. If you get groceries delivered regularly, you may be able to rack up cash-back rewards with this Chase credit card

Learn more about the Instacart credit card in this review, which covers:

  • How Instacart Mastercard cash-back rewards work
  • Other benefits of card ownership
  • How this card stacks up against competitors
Instacart Mastercard®
Key Information
Earn 5% cash back on Instacart app and Instacart.com purchases, and on Chase Travel purchases, 2% back at restaurants, gas stations and on select streaming services, and 1% back on all other purchases. $0 annual fee.

Is the Instacart Mastercard® worth it?

The Instacart Mastercard® may be worth it for those who can maximize the cash-back rewards. If you get Instacart grocery deliveries more than once a month, the 5% cash back on those purchases can really add up, creating savings on your food costs if you pay your statement off every month. 

Pros and cons

  • Welcome bonus doesn’t require any spending
  • No annual fee
  • 5% cash back on Instacart purchases
  • Access to Chase Pay Over Time
  • No introductory APR offer
  • Cash-back rewards may be better with other cards, especially for those who don’t shop via Instacart regularly
  • You need good or better credit

Instacart Mastercard® rewards

The Chase Instacart card offers a few ways to earn cash-back rewards, and the welcome bonus is automatic for approved cardholders who do not already have an Instacart Mastercard.

Welcome bonus

When you’re approved as a new Instacart Mastercard credit card applicant, your Instacart account is credited with $100 for spending via the Instacart app or Instacart.com. You also get a free year of Instacart+ membership.

While this welcome bonus doesn’t come with any spending threshold — meaning you don’t have to spend a certain amount in a specific period of time to earn it — by applying for the card and accepting the agreement, you do sign up for a renewable Instacart+ membership. After your free one year membership expires, you’re automatically charged $99 annually for the membership unless you cancel it.

Some perks you get with Instacart+ membership include:

Earning rewards

This is a cash-back credit card with a few ways to earn rewards, including:

To understand what those cash-back rewards might look like, consider the hypothetical example below:

In this scenario, you earned more than $500 in cash back just by using this card on expenses you already planned.

Redeeming rewards

You can redeem your cash-back rewards for a statement credit or by:

Instacart Mastercard® benefits

In addition to cash-back rewards, you get other perks as a Chase Instacart Mastercard cardholder. 

Travel benefits

While this isn’t technically a travel rewards credit card, it does come with a number of travel-related benefits. To activate these benefits, you typically have to pay for all your bookings with this credit card. 

Doing so via Chase Travel ℠ lets you get the benefits below on top of the 5% cash back:

World Elite Concierge® services

Cardholders also have access to Mastercard’s World Elite Concierge services. This hotline offers you a sort of virtual assistant to help with certain types of travel arrangements, including dining reservations or locating needed items. You can task this service with setting up dining reservations for you while you go about your workday or enjoy travel, for example. And because the service is backed by relentless, expert concierge professionals, you might have a better chance of getting the arrangements you want than you would on your own. 

Access to Chase Pay Over Time℠  

This card is eligible for the Chase Pay Over Time feature, which lets you choose eligible purchases and pay them off over time in fixed installments. In effect, you can turn part of your credit limit into mini installment loans for your purchases. Purchases must be for $100 and not made under a promotional APR rate. You also need to convert the purchase to a payment plan within 90 days.

You don’t pay interest on amounts in these plans, but you do pay a fee for each plan. You can have up to 10 active plans at a time, and you can spread payments out over three to 24 months, depending on the amount of the purchase, your credit score and your account standing.  


The Instacart Mastercard also comes with some general Mastercard protections for peace of mind, such as:

Fees, rates & limit

Don’t just consider the positive features of a credit card you want to apply for. Dig into the fine print to understand fees, interest rates and other details so you know how much your balance might end up costing.


The good news is that this groceries credit card doesn’t come with an annual fee. The annual fee is always an important consideration with a cash-back card, as a high fee can eat into your earnings.

Here’s a quick summary of other fees — or the lack thereof — associated with this card:

Interest rates

While it’s best to pay off your statement every month to avoid interest — and maximize the cash-back benefits — that isn’t always possible. If you carry a balance forward with this card, you’ll pay interest on it. 

Here’s a breakdown of this card’s rates: 

Credit limit

At minimum, if you’re approved for this card, you get a $500 credit limit. Individuals with excellent credit may be offered much higher limits, and there are reports of cardholders with credit limits of $10,000 or higher.

How the Instacart Mastercard® compares

As a branded cash-back rewards card, the Instacart Mastercard compares favorably to other options on the market. It offers a decent amount of cash back and an easy-to-earn, easy-to-use welcome bonus. The fact that it doesn’t come with an annual fee also makes it attractive. However, this card is most beneficial for regular Instacart customers.

Instacart Mastercard® vs. Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express offers better cash-back options if you aren’t an Instacart loyalist. 

Here’s a look at some of the major differences between the Instacart Mastercard and Amex’s Blue Cash Preferred:

If you can utilize the credits, you may be able to get more value from the Blue Cash Preferred card than you would from the Instacart credit card if you aren’t a regular Instacart shopper.

Read our full Amex Blue Cash Preferred card review

Instacart Mastercard® vs. Capital One SavorOne Cash Rewards Credit Card

The Capital One SavorOne Cash Rewards Credit Card is another all-purpose cash-back card. 

Here are some things that differentiate it from the Instacard card:

If you don’t spend a lot with Instacart, you can earn more cash back with this card. Plus, you can use the introductory APR to finance a larger expense without interest for 15 months — and the SavorOne card doesn’t have an annual fee.

Read our full SavorOne Cash Rewards card review

Instacart Mastercard® vs. DoorDash Rewards Mastercard®

Chase also offers the DoorDash Rewards Mastercard®

Here’s what you can expect with that card:

This may be an option if you want to earn some cash back but you’re more likely to order food from restaurants than get groceries delivered.

Read our full DoorDash Mastercard review

Is the Instacart Mastercard® right for me?

The Instacart Mastercard credit card may be a good choice if you get grocery delivery regularly enough to maximize cash-back rewards. 

If you don’t frequently have food delivered or what you spend money on varies from month to month, a more general rewards card may be a better choice.

Here are a few options you may want to consider:

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FAQ: Instacart Mastercard®

Is the Instacart Mastercard® hard to get?

You need good or excellent credit to get this card. Typically, that means having a credit score of 670 or higher. Depending on other financial factors, such as your income and overall credit history, you might be approved with a score in the mid-600s.

What bank issues the Instacart Mastercard®?

The Instacart Mastercard is issued by Chase.

Can you use Instacart Mastercard® anywhere?

You can use this credit card anywhere Mastercard is accepted.

Does Instacart Mastercard® have an annual fee?

No, this card does not have an annual fee.

What is the credit limit for the Instacart Mastercard®?

The minimum credit limit for this card is $500. Some people report being approved for much higher credit limits, even as high as $10,000.

About the Author

Sarah Stasik
Sarah Stasik Personal Finance

Sarah Stasik is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.

With more than a dozen years of writing experience, Sarah has tackled niches that range from technical advances in fintech to personal budgeting challenges. She has covered topics such as insurance and the economics of private healthcare, small business management and accounting, and credit and savings. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful and relevant resources for readers.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

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