Chase
Instacart Mastercard®
Key Features
| Annual Fee | $0.00 |
| Regular APR | 18.24%–27.74% variable APR. |
| Network | Mastercard |
About this card
The Instacart Mastercard is a solid card with some notable strengths and weaknesses. Its greatest strength is the rich 5% cashback for Instacart purchases, making it a must-have for heavy users. The lack of an annual fee and no foreign transaction fees enhance its value. Its weakness is a limited scope, and its value diminishes significantly for those who do not regularly use Instacart. The APR is relatively high, so users need to be cautious and pay their balances. Factoring in the decent rewards, reasonable fees, and a reputable issuer like Chase, the overall rating is a 3.4, placing it in the 'Good' category. It's not an exceptional card for everyone, but for the target audience, it provides substantial value.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Cashback on purchases
- No foreign transaction fees
Things to consider
- High regular APR
- Limited rewards categories
What this card offers
Sign-up bonuses
- Get a $50 Instacart credit automatically upon approval
Rewards
- 5% Cash Back on qualifying Instacart.com and Instacart app purchases on your first $6,000 spent annually, from more than 1,500 retail brands and 80,000+ stores across 14,000+ cities in North America.
- 5% Cash Back on Chase Travel purchases, including flights, hotels and more.
- 2% Cash Back at restaurants, including orders on Instacart powered by Uber Eats, gas stations, and on select streaming services.
- Plus, 1% cash back on all other purchases.
Other features
- Redeem your rewards, your way
- Cash back Choose to receive a direct deposit or a statement credit. There's no minimum to redeem.
- Travel Book your next flight, hotel, car rental, and more.
- Pay with Points Use your cash back rewards to pay for all or part of your purchase in the Instacart app or on instacart.com (excludes restaurant orders on Instacart powered by Uber Eats).
- No foreign transaction fees
- You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
- Contactless - Just Tap To Pay
- For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol. For more information, please see www.chase.com/contactless.
- Chase Pay Over Time lets eligible Chase customers break up credit card purchases into budget friendly payments.
- Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No Interest- just a fixed monthly fee with plan durations that range from 3-24 months.
Additional Notes
Credit will be automatically loaded into your Instacart.com account upon the approval of your credit card application. This credit card is available to you if you do not currently have the Instacart Mastercard. This credit card or new cardmember offers may not be available to you if you previously had the Instacart Mastercard.