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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...
A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little ca...
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Instacart Mastercard®
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3.5
$0
20.24% - 28.99% Variable
Good to Excellent (670-850)
Instacart Mastercard®
The Instacart card is a great option for those who want to earn extra cash-back on all of their Instacart purchases with no annual fee.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3.5
Summary
The Instacart Mastercard® is the first-ever credit card from Instacart. With earning on groceries and everyday purchases, this card could be a great fit for your wallet.
Card Details
Card Snapshot
Welcome Bonus & Info
Earn 5% cash back on Instacart app and Instacart.com purchases
Earn 5% cash back on travel purchased through the Chase Travel Center, including flights, hotels and more
Earn 2% cash back at restaurants, gas stations and on select streaming services
Earn 1% cash back on all other purchases
No annual card fee
Pros & Cons
Pros
5% back on Instacart purchases
5% back on Chase Travel purchases
2% back at restaurants, gas stations, and on select streaming services
No annual fee
Cons
5% cash-back on groceries is limited to Instacart orders
Upgraded Points: Expertise You Can Trust
Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.
Content by Leading Industry Experts
Routine Updates and Fact-Checks
First-Hand Credit Card Experience
Shared Across 200+ Top Outlets
Methodical “U.P. Rating
The U.P. Rating System
The ratings for these cards have been determined
by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards
as well as rates and fees are all taken into account. Compensation from the issuer does not affect
our rating. We only recommend products we either use ourselves or endorse.
You want to earn extra cash-back with no annual fee.
Don’t Get If
You do not order from Instacart.
Instacart Card — Is It Worth It?
If you do all of your grocery shopping through Instacart and want to earn more cash-back on these purchases, the Instacart card could be worth it for you. Not only do you earn 5% cash-back on Instacart purchases, you also earn 5% back with Chase Travel and 2% back at restaurants, gas stations, and on select streaming services, all with no annual fee.
Best Ways To Earn and Redeem Your Cash-Back
The best way to earn as much cash-back as possible with your Instacart card is to use it for Instacart purchases, Chase Travel, restaurants, gas stations, and select streaming services.
Once you’ve built up a nice cash-back balance, you can redeem it as a direct deposit or a statement credit with no minimum redemption, for travel purchases through Chase Travel, or even as a payment method for your Instacart orders.
If you’re looking for a card to help you earn as much cash-back as possible on your grocery purchases, then look no further than the Amex Blue Cash Preferred card. With it, you earn an industry-leading 6% cash-back on up to $6,000 per year in purchases at U.S. supermarkets, including on Instacart orders.
The card also offers 6% back on select U.S. streaming subscriptions and 3% back on transit and gas purchases. Cardholders also receive a $7 monthly statement credit after using their card to spend $9.99 or more each month on a subscription to the Disney Bundle. Enrollment is required.
Those who want a great all-around cash-back card with no annual fee should consider the Capital One Savor cardInformation collected independently. Not reviewed by Capital One. (rates & fees). It earns 3% cash-back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart and Target), 5% back on hotels and rental cars booked through Capital One Travel, and 8% back on Capital One Entertainment purchases.
The information regarding the Capital One Savor Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the Blue Cash Preferred® Card from American Express, click here.
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