Instacart Mastercard®
MastercardIssued by Chase
Earn 5% cash back on qualifying Instacart and Chase Travel purchases, 2% at restaurants, gas stations, and select streaming, and 1% on all other purchases.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
18.24% – 27.74%
SIGN-UP BONUS
50
Get a $50 Instacart credit automatically upon approval
TOP CASH BACK
5%
Earn 5% cash back on qualifying Instacart.com and Instacart app purchases on your first $6,000 spent annually.
Key Benefits
- Earn 5% cash back on qualifying Instacart purchases on your first $6,000 spent annually
- Earn 5% cash back on Chase Travel purchases
- Earn 2% cash back at restaurants, gas stations, and on select streaming services
- Earn 1% cash back on all other purchases
- No annual fee
Rewards Structure
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| Instacart Purchases | 5% | First $6,000.00/year (then drops to 0.01) | Earn 5% cash back on qualifying Instacart.com and Instacart app purchases on your first $6,000 spent annually. |
| Chase Travel | 5% | Unlimited (no annual cap) | Earn 5% cash back on Chase Travel purchases, including flights, hotels and more. |
| Restaurants | 2% | Unlimited (no annual cap) | Earn 2% cash back at restaurants, including orders on Instacart powered by Uber Eats. |
| Gas Stations | 2% | Unlimited (no annual cap) | Earn 2% cash back at gas stations. |
| Select Streaming Services | 2% | Unlimited (no annual cap) | Earn 2% cash back on select streaming services. |
| All | 1% | Unlimited (no annual cap) | Earn 1% cash back on all other purchases. |
Fees & APR
ANNUAL FEE
$0
REGULAR PURCHASE APR
18.24% – 27.74%
CASH ADVANCE APR
28.49% – 28.49%
FOREIGN TRANSACTION FEE
0%
LATE PAYMENT FEE
$40
CASH ADVANCE FEE
$10 OR 5%
Card Protection & Benefits
Security Features
- ✓Zero Liability Protection – Protection against unauthorized charges made with your card.
Maximize Your Rewards Strategy
0
Earn More Cash Back
- 5% on Instacart Purchases
- 5% on Chase Travel
- 2% on Restaurants
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem cash back at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-800-432-3117
Last updated: Mar 24, 2026
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