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Instacart Mastercard — Full Review (2025)

Jarrod West's image
Jarrod West
Updated: 
Edited by: Kellie Jez
& Jessica Merritt

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Instacart Mastercard®

Instacart Mastercard®

U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs 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.
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon3.5

  • $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 ins and outs 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.
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon3.5
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
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Great Card If

  • You often order your groceries through Instacart.
  • 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.

Alternative Cards to the Instacart Card

Blue Cash Preferred® Card from American Express

If you’re looking for a card to help you earn as much cash-back as possible on your supermarket 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.

Capital One Savor Cash Rewards Credit Card

Those who want a great all-around cash-back card with no annual fee should consider the Capital One Savor card (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.

Frequently Asked Questions

Is it hard to get approved for the Instacart card?

Generally speaking, no. Getting approved for the Instacart card shouldn’t be difficult, but it depends on factors such as your credit score and income.

Does the Instacart card come with an Instacart+ membership?

No, the Instacart card does not include and Instacart+ subscription.

Can you use the Instacart card at the supermarket?

Yes, you can, but you will not earn 5% back on these purchases, as that applies exclusively to Instacart orders. You earn just 1% back on in-person supermarket purchases.

Does the Instacart card have an annual fee?

No, the Instacart card does not charge an annual fee.

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 8 years. He earns and redeems over 1 million points per year, and his work has been featured in outlets like The New York Times.

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