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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Instacart Mastercard® Credit Card

This card is designed for heavy Instacart users.

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(2.9) Our Review
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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Instacart Mastercard® Credit Card

This card is designed for heavy Instacart users.

BONUS OFFER

Best Offer: Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply.

💵 Your Projected Rewards Value
Year 1 tbd
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Key facts

Annual Fee:

$0

AVG Point Value:

$0.01 (Learn More)

Min. Credit Score for Approval:

670-739 * Good

Ongoing APR:

20.24%-28.99% Variable

Balance 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 Chase Travel (SM); 1X otherwise

5x
Airfare

Estimated Rewards Value: 5%

Only on purchases made through Chase Travel (SM); 1X otherwise

5x
Hotels

Estimated Rewards Value: 5%

Only on purchases made through Chase Travel (SM); 1X otherwise

5x
Car Rentals

Estimated Rewards Value: 5%

2x
Gas Stations

Estimated Rewards Value: 2%

2x
Dining Out / Food Delivery

Estimated Rewards Value: 2%

2x
Streaming Services

Estimated Rewards Value: 2%

1x
Everything Else

Estimated Rewards Value: 1%

Key features

1

Unique Card Benefits

Earn 5% cash back for Instacart purchases made through the Instacart app or at Instacart.com

2

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.

3

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.

4

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

5

Trip Protections

Baggage Delay insurance, Lost Luggage Insurance, and Travel Accident Insurance.

6

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)

7

Concierge Services

The Mastercard World Elite Concierge is a benefit of the Instacart credit card.

Earn more rewards by combining credit cards

Instacart Mastercard® Credit Card
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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

Instacart Mastercard® Credit Card

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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.

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