Key facts
Annual Fee:
$0Min. Credit Score for Approval:
670-739 * GoodOngoing APR:
20.24%-28.99% VariableBalance transfer fees
Either $5 or 5% of the amount of each balance transfer, whichever is greater.Foreign Transaction Fee:
0%Reward multipliers
Earns bonus points for spend in the following bonus categories:
Only on purchases made through the Chase Travel Center. 1X otherwise
Estimated Rewards Value: 5%
Only on purchases made through the Chase Travel Center. 1X otherwise
Estimated Rewards Value: 5%
Only on purchases made through the Chase Travel Center. 1X otherwise
Estimated Rewards Value: 5%
Estimated Rewards Value: 2%
Estimated Rewards Value: 2%
Estimated Rewards Value: 2%
Estimated Rewards Value: 1%
Key features
Unique Card Benefits
Earn 5% cash back for Instacart purchases made through the Instacart app or at Instacart.com
Secondary Car Rental CDW Waiver
Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.
Extended Warranty
Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
Purchase Protection
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Trip Protections
Baggage Delay insurance, Lost Luggage Insurance, and Travel Accident Insurance.
Roadside Assistance
Roadside Assistance is a benefit of this card. (You’ll have access to a roadside assistance phone number, although the fees will be your responsibility)
Concierge Services
The Mastercard World Elite Concierge is a benefit of the Instacart credit card.
Earn more rewards by combining credit cards
Pros & cons
- 5% cash back for Instacart purchases made through the Instacart app or at Instacart.com
- Aside from Instacart purchases specifically, you can do better with other cards for the remainder of your spend
Our review
This card is designed for heavy Instacart uses. Much like the Amazon credit card only makes sense if you spend a ton at Amazon, the Instacart credit card only makes sense if you already spend a ton at Instacart as the 5% back will add up – and it’s a no annual fee credit card.
If you are looking for a powerful card for all supermarket purchases, you’d be much better off with one of our top credit cards for supermarkets like the American Express Gold Card, which earns 4X Membership Rewards at supermarkets, up to $25,000 a year (earn 1X thereafter).
But if you are loyal to Instacart, this card is worth considering.
It is a World Elite Mastercard, so it does come with some additional benefits as well.
Additional Benefits include:
- World Elite Concierge
- Baggage Delay Insurance
- Extended Warranty Protection
- Purchase Protection
- Lost Luggage Reimbursement
- Travel Accident Insurance
- Roadside Assistance
- Secondary Car Rental Collision Damage Waiver coverage
Overall, if you are a huge Instacart user, this card is worth it for the 5% back on all your purchases. But if you aren’t, you might find a better card for your spend in our Famous Card Explorer.