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Instacart Mastercard® review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
19.24% ‐ 27.99% (Variable)
Interest Rate: Purchases
19.24% ‐ 27.99% (Variable)
Balance Transfer
19.24% ‐ 27.99% (Variable)
Balance Transfer
19.24% ‐ 27.99% (Variable)
1 - 5% cashback
1 - 5% cashback
Signup Bonus
Signup Bonus

Informr score
The Instacart Mastercard® currently has an Informr score of 8.4 out of 10. This score is based on our evaluation of 8 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Instacart Mastercard® is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The new Instacart Mastercard is aimed at people who use Instacart. If you often get your groceries in store or via other means, there are better rewards credit cards available. The Instacart credit card has a $0 annual fee and offers an excellent 5% cashback rate on the Instacart app and Instacart.c...

- Ben Walker, FinanceBuzz

If you’re already an avid Instacart user, this card could be hugely rewarding thanks to its impressive rewards rate, broad category coverage and generous first-year bonus. If you only use the service occasionally, though, you may be better off with a general grocery rewards card.

- India Davis,

This card could be a great choice for fans of grocery delivery who value convenience. But price markups and additional service fees could take a large chunk out of your rewards earnings.

- Brendan Dyer, Bankrate
Money Crashers
Money Crashers

The Instacart Mastercard is an ideal companion for anyone who prefers ordering groceries for delivery to shopping for themselves at the store. Its 5% cash-back haul on eligible Instacart purchases certainly makes it worth your while, as does the complimentary Instacart+ membership during the first y...

- Brian Martucci, Money Crashers

If you’re an Instacart aficionado, the Instacart Mastercard can be a solid addition to your wallet that will earn 5% cash back on every purchase as well as additional rewards on a slew of other household expenses, all without an annual fee. However, people who rarely use Instacart may find more earn...

- Katherine Fan, SlickDeals


Interest Rates
Regular APR Interest Rate 19.24% ‐ 27.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 19.24% ‐ 27.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 29.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus

Get a free year of Instacart and a $100 Instacart credit

All Purchases 1% cash back
Restaurants 2% cash back
Gas 2% cash back
Groceries No
Hotels 5% cash back

Purchased over the phone through the Chase Travel Center

Travel 5% cash back

Purchased over the phone through the Chase Travel Center

Pharmacy No
Bills No
Additional Details
  • 2% cash back on select streaming service
  • 5% cash back on and Instacart app purchases
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Baggage Delay Insurance
  • Lost Luggage Reimbursement
  • Roadside Assistance
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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