Instacart Mastercard — Full Review (2024)

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 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.

Capital One SavorOne Cash Rewards Credit Card

Those who want a great all-around cash-back card with no annual fee should consider the Capital One SavorOne card. It earns 3% back on grocery spend, 3% back on dining, entertainment, and popular streaming services, 5% back on hotels and rental cars booked through Capital One Travel, and 8% back on Capital One Entertainment purchases.