What you get
Rewards and benefits
How it earns
AT A GLANCE 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. *
- 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…
Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.
What it costs
Fees, rates and terms
Annual fee$0
Purchase APRAPR 18.49 %– 27.99 % variable APR.
Advertised credit profileIssuer determines eligibility; no minimum score published in the reviewed source.
The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Chase makes every lending decision.
- Annual fee and first-year pricing
- ANNUAL FEE $0
- Foreign transaction fee
- You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
- Redemption options and restrictions
- Redeem your rewards, your way Cash back Choose to receive a direct deposit or a statement credit. There's no minimum to redeem. Travel Book your next flight, hotel, car rental, and more. Pay with Points Use your cash back rewards to pay for all or part of your purchase in the Instacart app or on instacart.com (excludes restaurant orders on Instacart powered by Uber Eats). * Pay with Points: For Pay with Points to be available, your Instacart Mastercard must be selected as your payment method. When you Pay with Points, each point is worth $.01 (one cent), meaning 100 points equals $1 in redemption value. There is no minimum points balance to redeem. If you don't use points to pay for your entire order, you must use your Instacart Mastercard and/or Instacart credits to cover the remaining balance. You can't use Pay with Points to pay for restaurant orders on Instacart powered by Uber Eats, Instacart gift cards, Instacart+ membership, alcohol, or prescription orders. Additional exclusions may apply. For valid returns or cancellations of any kind, your points will not be refunded. Points will be returned to you as an Instacart credit, redeemable only in the Instacart app or at Instacart.com . An additional temporary authorization hold will be applied to your Instacart Mastercard to account for potential changes in the final total due to special requests, added items, items replaced at a different price, and the actual weight of items. Your statement will reflect the final order total after order completion. You can't Pay with Points for orders outside of the United States.
- Bonus eligibility and restrictions
- Credit Card and New Cardmember Offer Eligibility: This credit card is available to you if you do not currently have the Instacart Mastercard and if you have not received a cash back new cardmember bonus from Chase for this card in the past 24 months. New cardmember bonus offers from Instacart are valid only once per Instacart account. If the Instacart account you are applying from already received any new cardmember bonus from Instacart, such as an Instacart Credit or free Instacart+ membership, the credit card is available to you but you will not be eligible for another new cardmember bonus from Instacart.
Recorded from Chase’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
Your call
Before you apply for the Instacart Mastercard
- For travel rewards, test the redemption you would actually book. Portal restrictions, transfer availability and taxes can change the value of points.
- Check merchant-category definitions, spending caps and enrollment rules before assuming the advertised bonus rate applies to every purchase.
- Treat an eligible welcome offer as first-year value only, separately from ongoing rewards. Review spend requirements and account eligibility.
- Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.
Read the full application checklist →See how it fits your spending in Find My Card →
